How It Works

End-to-end flow from SMB application to funded advance and repayment.

Step-by-Step Flow

1. SMB applies through a partner-branded portal or directly through AMLOK.
2. The business connects revenue sources such as Stripe, Shopify, Square, Amazon, or a bank account.
3. The Verify module runs KYB, revenue verification, bank data analysis, and fraud checks.
4. A Deal Card is generated with verified signals and recommended funding structure.
5. Funder agents evaluate the Deal Card against their policies.
6. The routing engine matches the best funder or mix of funders and generates ranked offers.
7. The SMB reviews offers including advance amount, factor rate, remittance percentage, and payback estimate.
8. Once the SMB accepts, agreements and PAD authorization are executed.
9. Capital is disbursed to the SMB operating account.
10. Auto-collection begins from payment-processor volume with PAD fallback when needed.
11. Repayment completes when the contracted cap is reached.

Stripe Capital Analogy

Stripe Capital automates underwriting and collection, but only for Stripe merchants and Stripe's own capital.

AMLOK unbundles that pattern:

• any funder can deploy capital
• any verified SMB can receive it
• any supported payment processor can drive collection

White-Label Model

For institutional partners, AMLOK can operate as invisible infrastructure:

• the SMB sees the partner's brand
• the application experience can be embedded or linked
• funding comes from the partner's balance sheet
• AMLOK powers verification, decisioning, routing, collection, and reporting underneath