Specialty financing that fits inside the merchant experience
Fidavio gives specialty merchants the orchestration layer they need to offer integrated financing without standing up regulated lending infrastructure themselves.
Built for specialty merchants with financing-driven sales
Many specialty merchants need financing to support higher-ticket purchases, but lack the infrastructure, compliance resources, and partner network to build financing programs themselves.
Fidavio helps merchants create a more integrated financing experience inside a compliant, partner-led structure.
Representative categories. Specific merchant programs are evaluated alongside lending and bank partners.
Anchored in real merchant demand
Fidavio's initial tentpole customer opportunity is a rapidly growing consumer retail business with operations in Texas and Oklahoma. The merchant sees meaningful demand for customer financing today and currently relies on third-party providers.
The initial tentpole customer provides a real-world starting point for understanding merchant financing demand, customer behavior, transaction size, down payment patterns, and the operational needs of specialty retail financing.
Small-balance financing with meaningful customer equity
The initial use case is focused on specialty retail purchases where customers may contribute a meaningful down payment, reducing financed balances and potential loss severity.
Note: Final credit box, approval criteria, pricing, loan terms, disclosures, funding approach, and servicing responsibilities would be defined with qualified lending and banking partners.