Credit — Tempo Solutions

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.

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.

Scope

Share your use case, volumes, and how funds flow today.

Structure

Tempo introduces you to lenders to evaluate and price facilities.

Draw and repay

Draw stablecoins or dollars, and repay as funds arrive.

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.

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, who independently evaluate, structure and set the terms of each facility.

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 we 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 with third-party lenders. 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, connects you with suitable third-party lenders, and plan funding and repayment flows. Lenders on Tempo review the opportunity and agree on terms before funding.

Is Tempo a lender or broker?

Tempo is not a lender or broker. Credit is provided by third-party lenders subject to their independent review and approval.

Talk with our team about your business, funding needs, and how money moves through your payments today.