Sage(@sagepaysai):80 to 90% of Caribbean businesses are micro, small and medium enterprises (MSMEs) and lending is collateral-based due to the absence of a cash-flow record to underwrite. Sage builds a record as a side effect of paying people. Every verified payout is recorded with details including who paid, for what, when, the refusal share and on both rails. A lender can access this information with a single call and receive JSON data not a PDF. The record already contains a working capital facility: an advance is sized from verified inflow and repaid automatically from subsequent payouts. It is designed for cooperatives programmes and lenders who wish to price cash flow rather than collateral.

2026.09.06 00:04

80 to 90% of Caribbean businesses are micro, small and medium enterprises (MSMEs) and lending is collateral-based due to the absence of a cash-flow record to underwrite. Sage builds a record as a side effect of paying people. Every verified payout is recorded with details including who paid, for what, when, the refusal share and on both rails. A lender can access this information with a single call and receive JSON data not a PDF. The record already contains a working capital facility: an advance is sized from verified inflow and repaid automatically from subsequent payouts. It is designed for cooperatives programmes and lenders who wish to price cash flow rather than collateral.