Fast, flexible working capital.
Ezra’s embedded credit solution gives your merchant and agent networks the capital they need to grow — instantly available, collateral-free, and designed around real transaction flows.
Why Ezra
Instant access to working capital
Pre-approved credit offered, with no paperwork or delays. Funds are available the moment merchants need them so they never miss a sale or restock opportunity.
Higher usage, higher limits
Credit limits scale automatically based on transaction volume and repayment history, rewarding active, reliable merchants with greater access over time.
No collateral required
Our digital-first approach removes the need for physical guarantees. Credit decisions are based on wallet activity — not assets — making finance more inclusive.
Embedded into payment flows
From disbursement to repayment, everything runs through the wallet. It’s fully automated, fully integrated, and designed for how merchants already operate.
How it works
Fuel daily trade, not just emergencies
From restocking fast-moving goods to managing peak cash flow, Ezra supports merchants, agents, and micro-entrepreneurs with credit that keeps up with how they work.
