What is Juni Capital?
We know that in the world of digital commerce, having positive cashflow is crucial. That’s why we built Juni Capital — a credit solution for cards and invoices that gives you flexible financing for inventory, ad campaigns, and scaling your business.
Juni Capital includes:
Capital for Cards, for card payments
Capital for Invoices, for invoice payments
How is Juni Capital different from a traditional loan?
Juni Capital products are revolving loan facilities. This means that you have the ability to use the capital, repay it, and then use it again. This is a keydifference when compared to loans with more traditional terms:
Revolving loan
Has no expiration date
When the customer repays the amount they borrowed, they can immediately reuse that same amount
For example:
A customer Is approved for €100k
They spend €10k, meaning €90k remaining
They repay the €10k
They return to a €100k available balance
Term loan
Has an expiration date (i.e. the loan must be repaid by a set date)
When the customer repays the amount they borrowed, the loan is complete
If the customer wants to use the Capital again they must apply for a new loan
For example:
A customer Is approved for €100k
They must repay €10k a month for 10 months, regardless of how much or how quickly they use the capital