A Guide for Borrowers
Financing Access for Neobanks and Fintech Platforms
River provides purpose-built credit infrastructure for fintech lenders, neobanks, and enterprises offering embedded finance products. Credit facilities are designed to meet the demands of high-growth companies; combining institutional underwriting standards with streamlined access to decentralized capital.
This guide outlines the borrower engagement process:
1. Initial Qualification & Program Fit
Assessment: The process begins with an assessment of the borrower’s business model, financing objectives, and underlying asset classes (e.g., receivables, consumer loans).
Ideal Profile: River looks partners with established lenders or platforms that demonstrate strong underwriting practices and a stable performance history.
Tailored Facility Design: Facilities are customized to support diverse use cases, including embedded finance, revenue-based lending, or supply chain financing.
2. Due Diligence & Credit Proposal
Independent Underwriting: Our risk team conducts a full diligence process modeled on institutional credit standards. This includes review of portfolio data, financial statements, and servicing practices.
Term Sheet Delivery: A proposed facility is issued in USD, outlining advance rates, interest terms, limits, and covenants.
DeFi Capital Advantage: By accessing decentralized capital markets, the platform may offer enhanced flexibility and pricing compared to legacy financing sources.
3. Legal Structuring & Risk Mitigation
SPV Structure: A dedicated Special Purpose Vehicle is established to isolate credit risk and hold loan assets, aligning with conventional warehouse facility practices.
Documentation: Documentation and security interest is drafted and signed to ensure contractual cash flow of the assets is held in the SPV. River will have market leading structured credit law firms drafting all documentation.
Safeguards: Facilities include internal risk ratings and capital reserves to manage exposure from day one.
4. Onboarding & Capital Access
Operational Integration: Coordination with treasury and legal teams ensures a clear, compliant fiat onboarding experience.
Drawdown Process: Capital requests are submitted via portal or API. Funds are deployed in fiat, typically within hours.
Workflow Integration: Facilities can be embedded into borrower infrastructure to support real-time financing during asset origination.
5. Repayment & Lifecycle Management
Standard Repayment Rails: Payments are made in fiat using standard rails (e.g., wire, ACH). Balances update automatically through the platform.
Revolving Structures: Many facilities are structured to allow redraws, offering borrowers flexibility in managing capital cycles.
Ongoing Adaptation: Portfolio analytics and facility terms can evolve over time to reflect changes in business scale or strategy.
River is built to deliver an institutional-grade credit infrastructure while abstracting the operational and technical complexity of decentralized capital markets. Once standard KYC/AML processes are completed, borrowers gain access to a financing tool designed to scale with the demands of modern financial services.
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