Building Scalable Working Capital Platforms by Balancing Business, Technology, and User Needs 

Scalable working capital platforms need to be engineered for resilience. 

They must serve corporates, suppliers, and lenders—without compromising on speed or control. 

That's why, at CredAble, we've built an end-to-end platform that delivers on all fronts. We understand that business goals, technology, and user need rarely align perfectly—but the right product strategy makes it work. 

From automating complex financing structures to ensuring seamless user experiences, we've designed a working capital platform that handles diverse customer needs—from corporates to SMEs—while remaining agile for new integrations, markets, and regulatory shifts. 
 
This article gives you an insider's look at how Product Managers (PMs) blend strategy and innovation to build resilient, market-ready solutions that support long-term growth while solving financing challenges for diverse stakeholders. 

What goes behind building working capital platforms?

Even though product–market fit is critical to early adoption and growth—a thorough understanding of the business is as important in ensuring the long-term success of a product. 

For example, 70% of the Micro, Small, and Medium Enterprises’ (MSMEs’) credit gap in India can be attributed to working capital demands. 

On top of that, trade in Asia, Africa, and the Middle East could grow by an additional 7.5% by 2030 with digital supply chain financing solutions. 

 
A deep understanding of these trends helps in designing working capital products that solve critical financing challenges and support long-term market expansion. 

Responsible for the strategy and vision of a product, PMs are also tasked with solving problems that lie at the intersection of business, technology, and user experience. In such a scenario, it’s imperative to balance all three needs and at times, make trade-offs in the process—ultimately ensuring that every decision aligns with business goals and user value.

Aligning working capital solutions with the diverse stakeholder needs

Apart from having your finger on the pulse of the market, a holistic view of the customer journey is non-negotiable. This includes studying the challenges of different stakeholders (buyers, suppliers, and lenders) and tailoring the solutions accordingly. 
 
For corporates, key product objectives are reducing the cost of capital, extending payment terms, ensuring smooth working capital across the value chain, and strengthening supplier relationships. 

On the flip side, for suppliers, the priority is often accessing funds quickly and at favourable rates, while lenders focus on managing risk and ensuring liquidity. 

We build our working capital financing products with a focus on improving cash flow, liquidity, and payment terms for corporate buyers, suppliers, and businesses of all sizes, especially Small and Medium Enterprises (SMEs).

The key is to design for scalability. 

You need to plan for scalability from the start and back it up with the foundational principles of modularity and horizontal scaling. Doing this has helped us ensure that CredAble’s platform can handle diverse customer needs, from small businesses to large enterprises, without major re-architecture. 
 

We leverage emerging technologies and automated workflows to enhance operational efficiency, minimise manual interventions, and provide real-time visibility into invoices, approvals, and payment flows. 

Unique challenges in developing working capital solutions for other geographies and how to overcome them

Convincing leading banks to adopt digital financing models requires strong product management strategies and value propositions, including a clear demonstration of the business impact and ROI.

Add to that, different geographies bring different compliance requirements. All of which can delay, or further complicate platform launches. A robust compliance framework with a local-first compliance approach can mitigate this. 

It’s also important to build a flexible platform that can adapt to local market conditions and cultural nuances. 

Gathering reliable data across supply chains and assessing the creditworthiness of borrowers in cases where the Digital Public Infrastructure (DPI) is limited can be another challenge. At CredAble, we have overcome this hurdle by building alternative credit models using transaction data, payment behaviour, and understanding supplier dynamics while also trying to leverage the social and digital footprint and telecom data in cases where other data points are limited. 
 

Whether it's the conceptual challenges of defining a product's USPs, the technical challenges of integrating multiple APIs, or prioritising features with stakeholders, you need to make informed decisions that guide your product's evolution but also inform stakeholders and teams about where to steer next. 

Further building strong partnerships with leading financial institutions has helped us strengthen risk assessment and ensure adoption as well as a smoother entry into new markets.

Streamlining lending with a modern LOS

For lenders, a Loan Origination System (LOS) should facilitate more than just processing applications—it should improve efficiency, accuracy, and borrower experience. As a PM, it's crucial to decide the right features that will simplify the borrower journey, reduce costs, lower drop-offs, and allow for better lending decisions. 

• A cloud-based, mobile-friendly LOS offers flexibility and scalability, allowing lenders to access and manage loan applications from anywhere at any time 
• Integrating AI enables the quick and accurate analysis of credit scores, fraud detection, and risk evaluation 
• Automating tasks like document verification and compliance checks helps reduce processing time and improve borrower satisfaction 
• Built-in regulatory compliance checks ensure lenders stay within legal frameworks 
• The ability to integrate seamlessly with various data sources, CRM systems, and credit bureaus speeds up credit decisions 

Tackling challenges in building LOS platforms

Different banks and lenders have varying requirements, so building a flexible platform that can be quickly tailored to meet these needs without requiring any major developments was one of the primary challenges. 
 
We have solved this with our low-code LOS platform, which has been built in a modular way to ensure a variety of workflows and integrations can be seamlessly incorporated to offer the desired digital journeys that lenders are looking for.

In my experience, I have seen how balancing functionality with ease of use can be difficult. As a result, we conduct user testing in the development phase. This has helped us refine the interface and augment the product based on real user feedback.

Even today, most lenders still use legacy systems that are difficult to integrate with modern platforms. Overcoming this requires developing flexible APIs and interfaces. We are also meeting the requirement to integrate with multiple third-party service providers by leveraging our pre-built connectors, which are plug-and-play for any new lender looking for that service. 

We leverage the available DPI ecosystem and OCR tech to validate the incoming borrower data points and ensure they are accurate for processing loan applications, which is key to reducing errors and fraud. 
 

Further, by implementing advanced encryption methods, we ensure robust security measures are in place to protect sensitive borrower information. 

Carving a niche in a crowded FinTech market

Globally, the supply chain finance market in emerging economies is poised for substantial growth. Additionally, 76% of banks predict a higher demand for trade and supply chain finance in the coming months. 

The need for AI-driven solutions in cash flow management is rising, with businesses exploring predictive analytics and blockchain for greater efficiency and transparency. With 74% of banks expecting to adopt sustainable financing—ESG-driven financing is also becoming a priority as companies integrate sustainability into financial decisions to meet evolving stakeholder expectations. Overall, the market is moving towards real-time, data-driven financing models, allowing businesses to adopt more flexible pricing strategies. 
 
As a holistic working capital tech platform, we have designed a comprehensive infrastructure that helps CredAble deliver maximum efficiency and unlock the capital for all our stakeholders. 

Over the years, CredAble has established a prominent global presence through our commitment to comprehensive financial inclusion. Today, by taking on the role of tech enablers, we’re empowering some of the world’s leading financial institutions and large corporations. As our solutions suite expands, we continually enhance our offerings to deliver the most relevant and powerful architectures we can.  

How CredAble’s culture shapes product leadership

CredAble’s culture encourages a hands-on approach, where product managers experiment, iterate, and work closely with teams across the organisation. This helps build scalable solutions that address real-world financing challenges. Moreover, the emphasis on continuous learning fosters adaptability in a rapidly evolving market. 

The long-term vision is to establish CredAble as a global leader in digital trade and supply chain finance. By expanding the product suite with AI and blockchain innovations, our goal is to simplify access to working capital financing while driving sustainability. We are also forging stronger partnerships worldwide and working towards building a seamless, technology-driven financial ecosystem.

Think Working Capital… Think CredAble!