Local mid-size enterprise, extending payment options

Enterprise ships goods to a verified buyer under a standard 60-day payment term; Dara records the transaction and SKU details, providing Dara end-to-end visibility into payment timelines and inventory flow.

Rather than waiting for the full term to mature, Dara facilitates early liquidity through a participating financial institution. Credit is extended directly to the buyer and the funds are immediately transferred to enterprise account—effectively enabling immediate settlement on delivered goods. If FX conversion is needed, Dara handles it internally, minimizing friction and ensuring full transparency on exchange rates and transaction costs.

When the buyer sells products and receives payment from end-buyers, the funds are routed to the financing bank. Dara automatically reconciles these buyer payments against the outstanding credit extended to the buyer. Any remaining amount—after offsetting loan principal, interest, and transaction fees—is transferred to the buyer’s account.

Buyers benefit by unlocking faster access to inventory, higher limits, liquidity benefits, and payment options. Enterprises, on the other hand, enjoy immediate liquidity and reduced working capital. All parties benefit from automation of payment flows while accelerating sales cycles.