We added invoice financing to a supply chain SaaS platform, so suppliers get credit decisions and payouts inside their invoice workflow. Supplier retention rose 24%, and decisions come back in under 850ms.
Client: Stellar LegendIndustry: FinTech & Financial ServicesService: SaaS & Software
Overview
Client
Stellar Legend
Global supply chain platform handling $4B+ in invoices a year
Engagement snapshot
The challenge
The client's supply chain SaaS gave suppliers a clear view of shipping and invoicing. For working capital, though, they still had to go to outside banks. That left suppliers with a 30-day funding gap and the platform with high churn.
Each time a supplier left to arrange finance, the platform lost usage and the data that showed how creditworthy that supplier was.
Suppliers left the platform to arrange financing, which cut daily active use.
With financing done elsewhere, the client missed key signals about supplier creditworthiness.
Traditional lending APIs were too slow for one-click funding inside the product.
The solution
A reliable listener copies every invoice status from the SaaS platform into a finance-grade shadow ledger, so risk can be assessed live.
A gRPC integration layer lets the core platform ask for the maximum fundable amount on any invoice and get an answer in under 20ms.
Webhooks to established banking rails trigger instant ACH or SEPA transfers the moment a supplier clicks Get Paid Now.
Key features
A credit API sets the fundable amount per invoice, and early payments trigger instant ACH or SEPA payouts.
Business impact
Credit decisions under 850ms
Risk scores are recalculated in the background, so suppliers see pre-approved offers instantly.
Business impact
<50ms UI response
Sensitive financial data is kept apart from the core SaaS database in a hardware-secured vault.
Business impact
Zero personal data leakage
Treasury needs are recalculated automatically as invoices are fulfilled around the world.
Business impact
18% higher capital efficiency
Before and after
Before
External redirects
Suppliers had to sign up again with outside lenders, and 60% dropped out along the way.
After
Inside the workflow
One click on the invoice card requests funding, with no switching between tools.
Before
Batch CSV uploads
Stale data led to inaccurate risk pricing and high default rates.
After
Streaming data
Live supply chain data feeds the risk engine, so rates adjust as conditions change.
Before
Slow monolith
Heavy third-party SDKs slowed down the core SaaS front end.
After
Separate cloud services
Lending runs in its own microservices, which scale without affecting the core platform.
Results
24% Retention
Instant access to capital gave suppliers a reason to stay on the platform, and gave the client new revenue from financing fees.
Before: BaselineAfter: 24% Increase
<850ms End-to-End
Lending runs behind its own gRPC layer, so credit decisions never slow down the core SaaS application.
Before: 2s+After: 850ms
Testimonial
“Suppliers on our platform now see pre-approved invoice financing offers, with credit decisions in under 850ms. Coretus connected it to a shadow ledger and instant payouts. Supplier retention is up 24% and capital efficiency 18%.”
Laura PowellVP of Embedded Finance, Stellar LegendKey results
Trust and control
Row-level security and vault-based isolation keep each SaaS tenant's financial data separate.
SOC 2-READYEvery credit decision is backed by an event log that shows the exact data at the moment of approval.
VERIFIABLE DATAStateless cloud microservices handle 10x spikes in invoice volume during holiday peaks.
READY TO GROWThe client owns 100% of the embedded finance platform from project completion.
100% OWNEDFaster delivery
Starting from tested components saved about 10 weeks of setup work, which went into the credit logic and the one-click payout flow.
Our tested auth module handled scoped mTLS between the SaaS platform and the lending services.
A reusable consistency module gave the shadow ledger exactly-once updates through the transactional outbox pattern.
An existing API gateway exposed the credit API to the core platform with scoped access.
Ready-made treasury monitoring tracked the capital needed to fund supplier payouts.
We mirrored every invoice into a finance-grade shadow ledger, built a gRPC credit API that returns the maximum fundable amount in under 20ms, and connected payouts to ACH and SEPA rails. Suppliers click Get Paid Now on the invoice card, and the transfer starts straight away.
Supplier retention rose by 24%, and end-to-end credit decisions dropped from over 2 seconds to under 850ms. Suppliers no longer leave the platform for outside lenders, a route where 60% used to drop out. The client also gained a new revenue stream from financing fees.
Each tenant's financial data is protected by row-level security and held in a hardware-secured vault, apart from the core SaaS database. Services talk to each other over scoped mTLS. Every credit decision is backed by an event log of the exact data at approval, which gives a clear audit trail.
If your users leave your platform to find working capital, we can help you build lending into the workflow they already use.