PARTNERS · LENDING
Tip4's split settlement infrastructure routes part of every merchant's daily card takings to a named lender account — automatically, daily, against rules the lender and merchant agree up front. For lenders, that means cleaner repayments and lower default risk. For merchants, it means access to working capital that flexes with revenue rather than fighting it. This also enables a new type of lending, split-party lending and dynamic solutions.
Smart payment solutions to drive your business forward.
FOR LENDING PARTNERS
Most Merchant Cash Advance (MCA) and revenue-based lending platforms run on flat-percentage withholds — a fixed cut of every settlement, every day, until the advance is repaid. It works, but it's blunt. Imagine being able to add advanced rules to cope with strong weeks, and real dips in the week. Imagine working with multiple providers at the same time, and enabling multiple lenders or funds to support a customer. Tip4's dynamic split settlement can do this and more.
Work with existing or new solutions / acquirers
One of the issues in MCA is getting the accounts set up and switched FAST! We can work with existing acquirers, create the pass-through accounts for the dynamic switching, and depending on the acquirer move or board in days.
Settle daily, to a named lender account
Every day, the portion of the merchant's card takings owed to you settles directly into a named lender account. Not via the merchant's bank, not via an end-of-month sweep — direct, at source, on the day the cards clear.
Dynamic rules, not flat percentages
Where most platforms can only offer a flat percentage withhold, we can apply rules: tiered by daily volume, capped at a daily ceiling, paused on agreed days, varied by transaction type or channel. The agreement you write with the merchant is the agreement that runs.
Cross-portfolio reporting
One lender dashboard across all your funded merchants. Daily settlements, projected repayment dates, early-warning signals when daily volumes drift outside agreed corridors. Built for the partner manager's Monday morning, as well as the merchant's.
Lower default risk, cleaner repayments
Funds split at source mean the merchant never has the money to spend somewhere else first. Default risk on the repayment portion drops materially — and repayment behaviour reconciles automatically against the original advance terms.
Solutions which keep merchants open
The main goal of Tip4 is providing solutions which help support our merchants, driving up sales, tipping and keeping their staff happy. All of these things mean the business stays open, trading, and borrowing money longer, and defaulting less.
New revenue to you, and happier customers
Being that we understand both payments and the tipping world (and a little bit about lending), we know what makes you tick. Money, revenue and stickier customers. Earn a revenue on all referred merchants be this for the card processing, the tipping or both.
PARTNERSHIP PROCESS
How lending partnership works.
Commercial agreement
Short, standard partnership agreement covering split settlement terms, lender account setup, data sharing, NDAs, and merchant disclosure language.
Rule library configured
Your rule templates (tier structures, caps, channel rules) loaded into the engine. Custom rules per merchant are added as agreements are written
Merchant onboarding
Your applications are processed in your existing flow; once an advance is approved, we connect the merchant's settlement rail and apply the rules. Live in days, not weeks.
Daily settlement and reporting
Funds settle to your named account daily. Cross-portfolio dashboard for your team. Early-warning signals on any merchant whose volume drifts outside agreed corridors.
PARTNERSHIP PROCESS
How lending partnership works.
API and simple integrations
Full sandbox environment with simulated merchant volume for integration testing
FCA-compliant payment-facilitator structure underneath; KYC and onboarding handled to scheme standards