actyv.ai seeks to bind the three ecosystems – enterprises, their business partners and financial institutions; orchestrating the whole business transaction on a single platform through a SaaS model. actyv.ai is an AI-powered technology platform enabling SMBs to efficiently manage their entire supply chain ecosystem. Embedded with B2B BNPL and insurance, it enables affordable and easier credit access and business security to retailers. The focus of our platform is to provide effective financial, credit and partner management thus driving growth.
With actyv Go, you can enjoy faster business offtake and guaranteed impartial evaluation. Suppliers, distributors or retailers can now be discovered, selected, appointed, renewed and empowered through a single platform in a faster and transparent way.
actyv PayLater offers retailers faster access to affordable working capital at lower interest rates. It is a BNPL approach towards B2B payment that aims to enable bidirectional flow of information, across the board. Our experienced team of underwriters and lenders is creating innovative credit products using this transaction data that can cater to larger section of channel partners with affordable credit.
The entire construct of actyv PayLater or BNPL is purpose-based rather than person-based. The approach assesses working capital needs of the distributor or retailer based on business volume and churn time with the enterprise and a lending partner providing adequate facilities to support the same.
The BNPL facility is unsecured and the credit risk is solely with the lending partners and there is no recourse to actyv.ai or the enterprise. The BNPL limits being purpose-based can only be utilized for purchases from an enterprise. Enterprises agree to a “Stop supply” agreement in case a distributor or retailer fails to repay a lending partner as per terms.