Loans
Create and manage currency loans with complete payment tracking, status timelines, and automatic account generation.
Many exchange houses also operate currency credit lines: lending foreign currency to clients or receiving credit from clients to use in future operations. Divisafe models both with exact financial tracking.
Includes company-to-client loans (currency receivables) and client-to-company loans (credit lines extended to the company, with liability recognized only when the credit is actually consumed).
Key capabilities
Company-to-client loans
The company hands currency to a client, generating a receivable with configurable rate and term.
Client-to-company loans
The client extends a credit line that becomes a liability only when actually used in an operation.
Partial payments with live balance
Each loan supports multiple partial payments with automatic balance and status updates in real time.
Deferred margin on repayment
When a client-to-company loan is used in a sale, margin is deferred until repayment to reflect the real cost.
How it works day to day
A returning client requests a USD 10,000 loan. Divisafe records the inventory exit, creates the receivable, and schedules repayment. Three months later the client pays USD 7,000 in a first installment and USD 3,000 in a second. Margin is calculated on the spread between the loan rate and the repayment rate — on each installment.
Other features
Transform your exchange house management
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