Alternative financing

Alternative financing solutions for business

Enable your alternative financing business to scale with our modular embedded finance and built-in compliance infrastructure.

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Alternative financing solutions for business

Unlock the future of alternative financing solutions

Traditional bank loans often involve rigid criteria and slow approval processes that do not align with the pace of modern enterprises. Alternative financing solutions bridge this gap by offering flexible, tech-enabled funding models – such as revenue-based financing, invoice factoring, and crowdfunding – that prioritize real-time performance over historical credit scores.

Streamline funding processes

Utilize built-in compliance, automated KYC/AML, and transaction management for quicker, smoother operations.

Expand your global reach

Offer multi-currency accounts to scale effortlessly into new international markets.

Offer instant payouts

Provide secure digital wallets for fast, on-demand disbursements to enhance borrower satisfaction.

Drive financial innovation

Unlock new alternative financing solutions that push the boundaries of traditional lending.

Empower your business with scalable nts

Access scalable and compliant accounts for your clients with ease – they’re designed to meet your specific needs and ensure efficient, secure financial management

Business and personal accounts

Open an LT IBAN account with multicurrency support

Send & receive cross-border payments

Supported in 80+ currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, USD, and more

Access your accounts in the way that suits you best

With our online banking platform or API

Accept payments your way

Allow your creators to smoothly accept payments from backers and investors.

Card Acquiring

Allow customers to pay with Mastercard & Visa debit and credit cards

Easily issue refunds, no matter the amount

Offer customers recurring payments & subscriptions

Payment Initiation Service

Receive payments directly to your IBAN account

Process orders without delay

Collect EUR payments from customer bank accounts in DE, NL, and LT

Reconcile payments automatically and effortlessly

Create customized payment experiences with our Payment Gateway API

Compliance and KYC taken care of

As a licensed financial institution, we take care of all our solutions related compliance matters. We’ll cover KYC procedures, AML/CTF monitoring, and reporting to authorities, meaning you don’t need to hire an AML compliance team of your own to embed our solutions.

More about Embedded Compliance

Enjoy simple transactions

One payment solution for all your needs: pay out to your merchants, pay salaries and invoices, issue refunds, and analyze detailed accounting statements.

Instant Euro-zone transfers

Send & receive speedy payments in EUR with direct SEPA / SEPA Instant transfers.

More about SEPA Payments

Cross-border transfers

Send & receive funds all over the world with cross-border payments in multiple currencies: AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD.

More about SWIFT Payments

Fast-tracked SWIFT payments

We work with trusted partners and use a unique algorithm to channel your SWIFT payments using the fastest route possible.

Real time payment tracking

Optimize cashflow by keeping track of all of your payments in real time.

Save time and cut costs

We give you the ability to send funds in they way that’s best for your business – single payments, bulk file uploads or via APIs.

Leverage your full potential with the white-label debit card

Get branded VISA debit cards

Offer contactless payments and cash withdrawals worldwide

Integrate cards into your app and give users the power to manage their cards in a few tap

Receive and distribute as many white-label cards as you need – one IBAN account has no card limits

More about Custom Cards

Unlock the potential of invisible finance

Choose embedded finance with built-in compliance solution modules based on your business needs

Issue IBANs with LT prefix

Enable business, personal and segregated accounts for smooth transactions.

Execute payments

Initiate and complete financial transactions securely and efficiently.

Execute currency exchange

Perform foreign exchange transactions for 80+ currencies.

Issue and manage VISA cards

Business, personal, white-label and virtual VISA debit cards.

Handle inter-bank queries

Manage and resolve inquiries between different banks or financial institutions.

Top-up accounts

Conveniently add funds to user accounts for seamless transactions.

Fees collection

Collect and process various fees associated with transactions or services.

Refund end-users

Process and issue refunds to individual users or customers.

Inter-ledger transfers

Facilitate transfers between different ledgers or your own ecosystem.

KYC / Onboarding

Conducting KYC checks and streamlining customer onboarding processes.

AML / CTF monitoring

Monitoring and detecting AML and CTF activities.

Reporting to authorities

Submitting regulatory reports and compliance data to relevant authorities.

Alternative financing solutions FAQs

What are alternative financing solutions for business?

Alternative financing solutions for business refer to any funding method used by companies that exists outside of traditional banking systems. These include digital platforms for peer-to-peer lending, merchant cash advances, and revenue-based financing that offer more flexible terms.

How does alternative business funding differ from a bank loan?

Traditional bank loans often require hard collateral and years of profitability. In contrast, alternative business funding is often data-driven, focusing on a company’s real-time revenue and growth potential, resulting in faster access to capital.

Is alternative financing safe for my company?

Yes, provided you work with reputable providers. ConnectPay, as a licensed EMI, provides the secure banking infrastructure (IBANs, payments, and compliance) that allows these solutions to operate safely within the regulated financial ecosystem.

Which industries use alternative funding solutions most?

While nearly any business can benefit, these solutions are particularly popular among high-growth SaaS companies, e-commerce marketplaces, and SMEs that need quick liquidity.

Can I integrate these solutions into my own app?

Absolutely. We provide a single set of APIs that allow you to embed IBAN issuance, global payments, and card management directly into your own platform’s interface, creating a seamless “invisible finance” experience.