KYB built in, credit origination in minutes, treasury and payments in one layer. Klyqo composes the SME journey end-to-end in typed code and dispatches every step through a marketplace of business-grade providers. Same runtime, business-specific bindings.
Business banking is not consumer banking with a different form. SMBs have entity structures, beneficial owners, multi-signer flows, cash-flow-based credit signals. Off-the-shelf cores ignore all of it.
Entity verification, beneficial-owner mapping, business registry checks, sanctions screening per principal. Consumer KYC tools stop at the individual; SMB onboarding needs to walk the entire ownership tree before the first account opens.
SMBs are running payroll on Friday. If your credit decision takes two weeks, they’re already at the bank that decides in two minutes. You need real-time cash-flow scoring, bureau data, behavioural signals, and a journey that doesn’t wait on a human in ops.
Most SMB stacks stitch a payments rail, a separate ledger, a separate treasury console, a separate loan-origination tool. Your operator switches tabs. Your customer notices the seams. Your audit log is three different formats.
SME journeys expressed as typed TypeScript, dispatched through a marketplace of business-grade providers, executed durably on any core. Same runtime as consumer; different bindings, different shapes.
Entity check → beneficial-owner walk → per-principal screening → business registry verification → account-open, all as one journey. Plug in any KYB provider; swap when you outgrow them. The journey doesn’t change.
Real-time cash-flow scoring, bureau data dispatch, behavioural signals, decision in seconds. The credit step lives inside the journey; the journey decides, the operator approves edge cases. Customers feel the speed.
No more three-tab operators. Klyqo orchestrates payments rails, ledger entries, and treasury moves through the same journey runtime. Your audit log unifies all three. Your customer sees one product.
SMBs need co-signers on big moves, multi-step approval workflows, audit on every action. Klyqo’s durable execution model is built for journeys that pause for hours or days waiting on a human signature. Same runtime, no special-case code.
A pre-shaped journey + recommended provider bindings for SME microcredit origination, decisioning and servicing. Clone the repo, swap the bindings to your providers, deploy. Production-shaped from hour one.
Includes the typed journey definitions for KYB walk, credit application, real-time scoring, underwriting decision, fund disbursement, servicing, and collections. Default bindings are mock adapters so you can run locally before binding to live providers.
Talk to us about your SME play. Thirty minutes. No deck. We’ll show you the runtime, walk through the microcredit blueprint, and tell you honestly whether Klyqo fits your stage.