The technology behind modern growth capital
Thazivo is the lending infrastructure that lets lenders make credit decisions from live business performance — and run every loan from application to repayment on one platform.
- Live data, not submitted documents
- The full loan lifecycle on one platform
- Built, run and maintained in-house
Connect
Read-only links to advertising platforms, payment processors, banks and accounting systems, with authorisation, refresh and backfill handled.
Compute
An engine that turns raw platform data into the measures credit actually needs: payback, return on spend, lifetime value, retention, cash conversion.
Decide
Facility sizing and repayment structures generated from measured performance, with the full underwriting report behind every decision.
Monitor
Connections stay live after funding, so risk is scored continuously and limits move with the business rather than at renewal.
Businesses run on live data. Credit decisions can too.
Growing companies throw off clear, current signals: what they spend to acquire customers, what comes back as revenue, how cash moves through the business. That is some of the most measurable information in commerce.
Most credit processes were designed around filed accounts and physical collateral, long before this data existed. Bringing it into the credit decision takes new infrastructure — connections, models and monitoring built for it from the start.
That is what Thazivo provides: the ability to price capital against what a business is doing right now, alongside what it reported last year.
One platform that runs the entire life of a loan
We connect a borrower's live operating and financial data, score risk continuously as new information arrives, and automate everything from approval to repayment.
Launch a new credit product without building the stack
Banks, credit funds and specialty lenders want exposure to short-duration, higher-yield business credit. Building the technology to originate, monitor and service it at scale is slow and expensive. Thazivo is that infrastructure, ready to run.
Originate and service at scale
Automated underwriting, disbursement, servicing and collections, out of the box.
Stay in control of risk
Set your own risk appetite, yield targets and limits, and monitor every position live.
Distribute how you choose
Whole-loan purchase, syndication and participation are all supported.
Built for diligence
Transparent reporting and auditability your credit and compliance teams can stand behind.
Seven layers, one platform
Together they cover every stage of a loan, from a borrower's first visit to the final repayment.
Data connections
Read-only links to the systems that already measure a business, brokered through regulated aggregators.
DetailsUnderwriting engine
Turns raw connected data into the metrics a credit decision actually needs.
DetailsOrigination and agreements
From application through offer to an executed facility agreement, in one flow.
DetailsRisk and operations console
Where the credit team actually works: pipeline, reports, exceptions and audit.
DetailsAdvertising credit is where we started
The same infrastructure extends to inventory finance, receivables and other forms of working capital. Each new credit product reuses the data connections, the decision engine and the servicing layer — only the model at the centre changes.
- Advertising creditLive
- Inventory financeReady to extend
- ReceivablesReady to extend
- Working capitalReady to extend
Let’s talk about the future of business lending
Whether you are considering Thazivo as credit infrastructure or interested in investing in it, we would like to hear from you.