Maya Payments to Lending Funnel

This requirement turns payments into underwriting, which is the key advantage of Maya’s SME lending model. A merchant that has processed sales through Maya for three months has already shown daily turnover, seasonality, and repayment capacity inside Maya’s own system. That lets Maya move from charging 1.5% to 3.5% on payment volume to offering working capital, with the loan deposited into the merchant’s Maya Business Deposit account and repaid through the same dashboard.

• The funnel is built into the product. Maya requires merchants to be active Maya Business users, maintain a Maya Business Deposit account, and have at least three months as a merchant to qualify. Its 1 2 3 Grow bundle explicitly markets a loan offer after three months of payment usage, so payments adoption is also lead generation for credit.
  2 maya 3 maya
• The data advantage is operational, not just promotional. Because Maya runs merchant acquiring on its own rails and settles into its own deposit account, it can see sales frequency, ticket flow, and cash movement directly, then use that history for credit evaluation and instant loan approval inside Maya Business Manager.
  1 sacra 5 sacra
• This is the same pattern used by strong SME fintechs elsewhere, but with different inputs. Stripe lends against payment data from online sellers, while Kapital underwrites from business transaction and invoice data. In each case, the lower margin payments or software product becomes the feeder for higher margin lending and stronger retention.
  5 sacra 6 sacra 7 sacra

The next step is a tighter loop where more merchants join Maya for payment acceptance, keep balances in Maya deposits, then draw credit lines as routine operating capital. If that loop keeps working, Maya becomes harder to replace, because switching providers would no longer mean changing only a checkout tool, it would mean giving up a live source of business financing.