FinTech // Client Project

B2B Lending:
Faster Credit Inside SaaS Products.

We built a practical FinTech solution combining automatic ledger sync, credit-as-code API network, and automated disbursement loop. The project delivered 24% Supplier Retention and <850ms Decision Response Time.

Key Results RESULTS
24%
Supplier Retention
↑ Stickiness
<850ms
Decision Response time
Live
100%
SOC2 Compliant
RESULTS

Trusted by teams building ambitious products

What We Set Out to Improve.

Industry
FinTech

Global supply chain management platform handling $4B+ in annual invoice volume.

How We Worked
Dedicated product team

FinTech Architect + 2 Backend Engineers + DevSecOps Specialist embedded within the Core Platform team.

Goal
Revenue Diversification & Retention

Embedding B2B financing (Factoring) directly into the invoice workflow to capture financing fees.

What We Built
API Network

A practical solution designed around the client’s existing tools, teams, and day-to-day workflow.

What Was Getting in the Way.

The client's supply chain SaaS provided excellent visibility into shipping and invoicing, but suppliers were still forced to go to external banks for working capital, creating a 30-day funding gap and high platform churn.

The biggest issues were workflow leakage, lost transaction data, and integration complexity. The team needed a faster, clearer way to manage the work while keeping the right checks in place.

Workflow Leakage
Users left the platform to secure financing, reducing daily active usage and ecosystem control.
Lost Transaction Data
External financing meant the client missed critical data signals regarding supplier creditworthiness.
Integration complexity
Traditional lending APIs were too slow for a smooth one-click funding experience within the UI.
The Solution

What We Built.

01
Automatic Ledger Sync
Built a reliable listener that mirrors SaaS invoice states into a financial-grade shadow ledger for live risk evaluation.
Key details
Throughput 10k tps
Pattern Transactional Outbox
Reliability Exactly Once
02
Credit-as-Code API Network
Developed a gRPC-powered smooth data integration layer that allows the core SaaS platform to query Maximum Fundable Amount for any invoice in <20ms.
Key details
Protocol gRPC Protobuf
Auth mTLS Scoped
Controls SOC2 Gated
03
Automated Disbursement Loop
Integrated with Established banking rails via webhooks to trigger instant ACH/SEPA transfers the moment a supplier clicks Get Paid Now.
Key details
Rails ISO 20022
Response time Sub Second
Audit Secure and traceable Logs
Before and After

How the Workflow Improved.

Area
Before
After
UX Flow

External Redirects

Users forced to re-onboard with external lenders, causing 60% funnel drop-off.

In-Workflow Action

One-click funding directly on the invoice card. Zero context switching.

Data Integrity

Batch CSV Uploads

Stale data led to inaccreate risk pricing and high default rates.

Streaming Lineage

Live supply chain monitoring feeds the risk engine for dynamic rate adjustment.

Growth

Single large Lag

Heavy third-party SDKs slowed down the core SaaS frontend performance.

Cloud-based Platform

Separated smaller independent services scale independently of the core SaaS platform.

Key Features

What Made the Solution Useful.

Fast Response

Pre-Calculated Risk Buckets

The system continuously calculates risk scores in the background, allowing for instant Pre-Approved UI states.

Business impact
<50ms UI Response
Secure by Design

Vault-Based Personal Data Isolation

Sensitive financial data is isolated from the core SaaS database using a hardware-secured vaulting pattern.

Business impact
Zero personal information Leakage
Live Updates

Reactive Settlement Engine

Automatically re-calculates treasury requirements based on live global invoice fulfillment events.

Business impact
↑ 18% Capital Efficiency
Faster Delivery

How We Reduced Build Time.

Tested foundations helped the team spend less time on setup and more time on the parts that made this product useful.

What accelerated the work

4 reusable building blocks
01

Auth Platform Module

A tested starting point for auth platform module reduced repeated setup work.

02

Ledger Consistency Module

Reusable work for ledger consistency module let the team focus more time on the client’s specific needs.

03

API Gateway Platform

This made it easier to add api gateway platform without rebuilding common foundations.

04

Treasury Monitoring

A tested starting point for treasury monitoring reduced repeated setup work.

Results

The Business Difference.

A straightforward before-and-after view of what changed for the team and their customers.

RESULT: STICKINESS01

Supplier Retention Lift

Providing instant capital turned the SaaS from an expense into a revenue source for suppliers.

BeforeBaseline
With Embedded24% Increase
Outcome24% Retention
RESULT: PERFORMANCE02

Decision Response Time (p99)

The gRPC smooth data integration layer ensured that lending logic never impacted the core SaaS application load times.

Standard API2s+
Coretus Platform850ms
Outcome<850ms End-to-End
Results24% Retention • <850ms End-to-End
Trust and Control

How We Kept It Safe and Reliable.

01
Multi-Tenant Data Privacy
Row-level security and vault-based isolation ensure financial data is never shared between SaaS tenants.
SOC2 COMPLIANT
02
Ledger Clear Audit Trail
Every credit decision is backed by an event-log showing the exact data state at the time of approval.
VERIFIABLE DATA
03
Growth and Reliability
Stateless smaller independent services introduced on Cloud system handle 10x spikes in invoice volume during holiday peaks.
Ready to Grow
04
Code and IP Ownership
Coretus provides 100% IP ownership of the embedded finance platform upon project completion.
100% OWNED
Client Testimonial

In their own words.

Coretus didn't just build an integration. they transformed our entire business model. We transitioned from a supply chain tool to a B2B finance powerhouse in just 14 weeks. Our supplier stickiness is at an all-time high.

Turn SaaS into a FinTech Engine.

Have a similar challenge? We can help you plan and build a practical FinTech solution around your goals, budget, and existing systems.

SOC2 & Regulatory Ready

Sub-Second Ledger Sync

100% IP & Model Ownership