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Connect
Link your HitchPay account and existing revenue streams. We assess eligibility from real transaction data, no lengthy paperwork or collateral demands.
- Secure, read-only data sharing
- No collateral required
Draw on a revolving credit line of up to $250,000 to fund payroll, inventory and growth. Get an eligibility decision in days, not months, and repay in the currency you earn in.
A single application gives you a revolving facility you can draw from again and again. Take what you need for a supplier order this week, repay it, and the headroom is there for the next opportunity, no re-applying, no waiting.
One flat fee on the amount you draw, quoted upfront before you accept. No origination fees, no early-repayment penalties, and no compounding interest that balloons over time. You always know exactly what a draw will cost.
Draw in USD and repay in the currency your revenue actually arrives in. Repayments are matched to your cash-flow cycle, so a stronger dollar doesn't quietly inflate what you owe. Set up auto-debit and never miss a schedule.
Connect your account, receive a limit, and draw whenever the moment calls for it.
Link your HitchPay account and existing revenue streams. We assess eligibility from real transaction data, no lengthy paperwork or collateral demands.
Receive an eligibility decision in as little as two business days, with a clear credit limit and the flat fee you'll pay on each draw laid out in full.
Draw funds straight to your balance, put them to work, and repay on a schedule matched to your cash flow. Repaid headroom is instantly available again.
Financing designed around how modern businesses actually scale, not how legacy banks prefer to lend.
Fund your next stage without giving up ownership. Keep 100% of your business and your upside as you grow.
As your inflows increase, your available limit is reviewed upward, so your credit line keeps pace with your momentum.
Approved facilities can be drawn within days, putting working capital in your account when the opportunity is still open.
"We had a supplier order that couldn't wait. HitchPay approved our line in two days and we drew exactly what we needed, then repaid in naira as our sales came in. It never worked against our cash flow."
Eligibility is based on your business's transaction history and revenue on HitchPay, typically after a few months of activity. There's no collateral requirement, we assess real cash flow rather than personal guarantees. All financing is subject to eligibility checks and provided through our lending partners.
You pay a single flat fee on the amount you draw, quoted in full before you accept. There are no origination fees, no maintenance charges, no compounding interest, and no penalties for repaying early. The total cost of any draw is shown upfront so there are never surprises.
Repayments are scheduled to match your cash-flow cycle and debited automatically from your HitchPay balance. You can repay in the currency you earn in, NGN, USD, GBP or EUR, and settle early at any time with no extra cost. As you repay, your available limit is restored so you can draw again.
Checking your eligibility and limit does not affect your standing on the HitchPay platform, and our initial review is designed to be lightweight. Any formal credit reporting is handled by our lending partners in line with applicable regulations, and we'll always make the terms clear before you accept a facility.
Join 12,000+ businesses moving money across borders with HitchPay.
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