We Helps Software Companies Generate $1M+ in Profit by Launching a Working Capital Loans Product

How Your White-Labeled Program Will Work

Pre-approved amount

$150,000

We generate pre-approved offers for your clients based on any data you already have
‍(e.g., revenue, number of appointments, etc)

The customer reviews the terms, provides basic information (e.g., EIN), and links their bank account

We instantly deposit the funds in the customer’s account

The customer pays us back over the course of 60-120 days.

We Do Everything, End-to-End:

Underwriting

Assess the merchant’s creditworthiness, cash flow, and risk profile to determine eligibility and funding amount.

KYC & Compliance

Verifying the merchant’s identity and ensuring adherence to legal and regulatory requirements.

Disbursement

Issuing the cash advance to the merchant, typically via bank transfer or card.

Capital Markets & Funding

Securing capital (via debt or equity) to fund advances and manage liquidity for the MCA business.

Customer Support

Providing assistance to merchants with account issues, inquiries, or adjustments.

Legal & Documentation

Drafting and managing contracts, terms, and legal disclosures for the cash advance agreements.

Origination

The process of receiving, and processing MCA applications from prospective merchants.

Repayment Collection

Automating daily or weekly retrieval of agreed-upon percentages from merchant’s credit card sales or ACH.

Servicing

Ongoing management of the merchant relationship, including tracking payments and providing customer support.

Reconciliation

Matching the incoming repayments with the expected cash flows and identifying discrepancies.

Risk Management

Monitoring ongoing merchant performance and identifying early warning signals of potential default.

Renewals and Upsells

Identifying merchants who are eligible for additional advances or larger future advances.

Collections & Recovery

Working with the merchant on payment plans if they fall behind.

Data & Analytics

Collecting and analyzing performance data for underwriting improvements, risk modeling, and business optimization.

Payment Processing Integration

Connecting to credit card processors or POS systems to automate repayment collection from merchant sales.

Reporting

Providing clear reports to merchants and internal stakeholders, including payment history, balances, and performance metrics.

Why Software Companies Like You Work With Us

No capital, servicing, or compliance burden

Low-lift solutions with no-code implementation

Highly attractive economics via a profit-share agreement

Fully managed: you get revenue, we run the program

Launch in under 2 weeks with minimal lift

White-label solution maintains your brand identity

Why Your Customers Will Love Us

Easy Application

We rely on sales history to determine eligibility.

Fast Approvals

Application to funded in  24 hrs

Shipping & Logistics

Pay invoices as soon as they come in to keep inventory moving and build reliable relationships with suppliers.

Equipment Upgrades

Invest in new tools, tech, or hardware so your operations stay modern and efficient.

Hiring & Payroll

Support your growing team with funds that cover recruiting, onboarding, and paying top talent on time.

We’re a Great Fit For Most Software Companies

Give your merchants access to fast, embedded capital while you unlock a new stream of revenue—no extra work required.

Calculate the Incremental Income You Could Generate

Number of merchants on your platform

800

Average Loan Amount

$100,000

Percentage That Will Take a Loan

10%

Your Percentage Split of Profit

50%

Incremental Annual Profit to You

$1,000,000

About Us

We're majority owned by Clivedale Group, which has over $1 billion of assets and is a majority shareholder of GB BANK, a regulated UK bank with >$2 billion balance sheet.

GB Bank’s London HQ

Leadership

Chairman

Sameer Gehlaut

In the UK, Sameer founded Clivedale Group, a luxury real estate developer with a portfolio exceeding £1.5 billion in GDV.

Landmark developments by Clivedale include Mayfair Mandarin Oriental Hotel and Residences and Mayfair Park Residences, managed and serviced by the Dorchester Collection.

Sameer through his family office is the majority shareholder of GB Bank (UK) with £2 billion+ in deposits.

Sameer founded Indiabulls Group in India. Under his leadership, Indiabulls Housing Finance disbursed over $35 billion to more than 500,000 customers and returned $1.8 billion in dividends to shareholders. Indiabulls Real Estate developed over 20 million sq. ft. of prime residential and commercial properties and it's 2 office complexes, One Indiabulls Center and Indiabulls Finance Cente were bought by Blackstone for $2 billion.

Sameer holds a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology (IIT) Delhi.

CEO

Tej was previously an investor at Coatue, a hedge fund and VC fund that manages over $50 billion and whose portfolio companies including Bytedance (TikTok), OpenAI, Discord, Canva, and others.

He also worked at Bain Capital Ventures and the M&A team at IAC, a holding company that owned and spun out Tinder, TicketMaster, Hotels.com, Expedia, and others.

CTO

Oliver Hamilton

Oliver Hamilton is the CTO and Co-Founder of SpringCash, a fintech startup focused on simplifying access to capital for businesses.

Previously, he was a founding engineer at Minion AI, where he built critical infrastructure for AI-driven applications. Before that, Oliver worked at Alameda Research, where he developed high-performance trading systems in cryptocurrency markets. He gained early exposure to high-frequency trading as a software engineering intern at Two Sigma, contributing to the derivatives engineering team. He also interned at Airbnb, working on the Experiences Search team to enhance user discovery algorithms.

Oliver is particularly passionate about startups leveraging artificial intelligence and algorithmic trading technologies. He enjoys building scalable software systems and exploring innovative approaches to financial engineering. Oliver is enthusiastic about fintech's potential to reshape how businesses access and utilize capital efficiently. Outside work, he is a dedicated runner and enjoys exploring New York City’s food scene.

Oliver holds an MS and BS in Computer Science and a BA in Mathematics from Vanderbilt University.