--- path: /solutions/credit/ title: Credit — Tempo Solutions description: Access credit backed by your payments and receivables through Tempo’s network of third-party lenders. template: solutions image: /og/2026-q4/og_2026-q4_solution_credit_title-image_v02.jpg seoTitle: Credit facilities backed by payment flows — Tempo seoDescription: Borrow against payments, card settlements, and invoices through Tempo’s network of third-party lenders, with stablecoin draws and repayments that settle 24/7. eyebrow: Credit faq: - question: Why use Tempo for financing? answer: Tempo helps coordinate financing with the technology and payment flows needed to use it, bringing funding and implementation into one process. Onchain funding and repayments in stablecoins can shorten settlement cycles and make transactions easier to track. - question: Who provides the financing? answer: Third-party lenders on Tempo. Our team matches each facility with lenders based on its size, structure, and risk. - question: Can I receive funding and repay in U.S. dollars without holding stablecoins? answer: Yes. Facilities can use ramp partners to deliver draws to your bank account in U.S. dollars and accept repayments by wire, so your business does not need to hold stablecoins. Onchain transfers operate 24/7; conversion and bank delivery follow the providers’ processing times and local payment rails. - question: How quickly can I access funding on Tempo? answer: Once your facility is approved and operational, stablecoin transfers for draws and repayments settle near-instantly, 24/7. Facility setup and draw availability depend on lender review, documentation, and agreed conditions. Funding delivered to a bank account also depends on conversion and bank processing times. - question: Do I need crypto collateral, and what can I borrow against? answer: Not necessarily. Facilities can be structured around incoming payments, card settlements, invoices, or other assets agreed with the lender. Eligible collateral and borrowing limits depend on the facility’s terms. - question: Can I keep loan balances and repayments private? answer: Yes. Tempo Zones can keep balances and activity inside a Zone private from the public while giving authorized teams access to the records they need. Deposits and withdrawals remain visible on Tempo, and the Zone operator can read its private ledger. See the Zone privacy model for details. - question: How do I set up a credit facility with Tempo? answer: Start by talking with our team about your business, funding needs, current financing, and how money moves through your payment or lending operations. Tempo helps scope the facility, connect with suitable lenders, and plan funding and repayment flows. Lenders review the opportunity and agree on terms before funding. locale: en canonical: https://tempo.xyz/solutions/credit/ --- # Borrow against your payment flows Access credit backed by your payments and receivables through Tempo’s network of third-party lenders. [Talk with our team](/contact/) ## Access capital when your business needs it ### Pay only for what you use Facilities can be structured without minimum draws or fees on unused capacity, so you only pay interest on the capital you use. ### Draw when you need it Draw, repay, and draw again, with stablecoin transfers that settle near-instantly, 24/7. ### Diversify your funding sources Connect with lenders beyond your current bank or credit fund to expand your funding options and get more options on price. ## What you can fund: from payouts to customer loans ### Prefunding Cover payouts before incoming funds arrive, then repay as payments settle. ### Receivables financing Borrow against card settlements and invoices to put expected income to work sooner. ### Consumer credit Bring loans into your product through a licensed lending partner that provides credit to eligible customers. ## Set up a facility with our team 1. **Scope.** Share your use case, volumes, and how funds flow today. 2. **Structure.** Tempo designs the facility and matches it with lenders. 3. **Draw and repay.** Draw stablecoins or dollars, and repay as funds arrive. ## Run your credit facility on Tempo ### Keep loan activity private with Tempo Zones Keep balances, draws, and repayments inside your Zone private, with access for your authorized teams. ### Control who lends with allowlists Choose which lenders can fund your facility to keep access limited to approved participants. ### Reconcile payments with transfer memos Attach invoice, payout, or loan references to each draw and repayment to simplify reconciliation. ## FAQ ### Why use Tempo for financing? Tempo helps coordinate financing with the technology and payment flows needed to use it, bringing funding and implementation into one process. Onchain funding and repayments in stablecoins can shorten settlement cycles and make transactions easier to track. ### Who provides the financing? Third-party lenders on Tempo. Our team matches each facility with lenders based on its size, structure, and risk. ### Can I receive funding and repay in U.S. dollars without holding stablecoins? Yes. Facilities can use ramp partners to deliver draws to your bank account in U.S. dollars and accept repayments by wire, so your business does not need to hold stablecoins. Onchain transfers operate 24/7; conversion and bank delivery follow the providers’ processing times and local payment rails. ### How quickly can I access funding on Tempo? Once your facility is approved and operational, stablecoin transfers for draws and repayments settle near-instantly, 24/7. Facility setup and draw availability depend on lender review, documentation, and agreed conditions. Funding delivered to a bank account also depends on conversion and bank processing times. ### Do I need crypto collateral, and what can I borrow against? Not necessarily. Facilities can be structured around incoming payments, card settlements, invoices, or other assets agreed with the lender. Eligible collateral and borrowing limits depend on the facility’s terms. ### Can I keep loan balances and repayments private? Yes. Tempo Zones can keep balances and activity inside a Zone private from the public while giving authorized teams access to the records they need. Deposits and withdrawals remain visible on Tempo, and the Zone operator can read its private ledger. See the Zone privacy model for details. ### How do I set up a credit facility with Tempo? Start by talking with our team about your business, funding needs, current financing, and how money moves through your payment or lending operations. Tempo helps scope the facility, connect with suitable lenders, and plan funding and repayment flows. Lenders review the opportunity and agree on terms before funding. ## Start your credit facility Talk with our team about your business, funding needs, and how money moves through your payments today. 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