Shopify Capital: USA only. Stripe Capital: 4 countries only. Square Loans: USA only. For the first time — instant merchant financing based on payment data, in Arabic and Turkish.
Your 3 Months
Become Your Credit Score.
After 3 months of activity on Zyrix, your payment data speaks for you. No bank visit. No paperwork. No credit history required. Zyrix offers you financing based on what you actually earn — and repays automatically from your settlements.
Why Banks Reject Small Merchants
Banks require: 2 years of financial statements, physical collateral, existing credit history, formal business registration, and weeks of paperwork. 70% of small merchants in Turkey and MENA fail these requirements — not because their business isn't working, but because banks can't see the data. Zyrix can.
How Zyrix Calculates Your Offer
Example Offer
How It Works
Offer Appears Automatically
After 3 months of activity, if you qualify, a financing offer appears in your dashboard. No application needed — Zyrix already has your data.
Review & Accept
See the offer amount, interest rate, monthly repayment, and total repayment in full before accepting. No hidden fees.
Money in 24 Hours
Accept the offer. Money transfers to your Zyrix balance within 24 hours. Use it for inventory, rent, marketing — no restrictions.
Automatic Repayment
Each week, a fixed percentage is deducted from your settlement before it reaches your balance. You never need to remember a payment date.
No Application
Offer calculated automatically. No forms, no documents, no bank visits required.
No Collateral
Your payment data is the collateral. No physical assets required.
Flexible Repayment
Repayment is a percentage of settlements — if you earn less, you repay less that week. Never a fixed burden.
Renew After Repayment
Once repaid, a new offer is calculated based on your updated performance. Better performance = better terms next time.
Full Transparency
See remaining balance, total paid, next deduction amount, and payoff date at any time in your dashboard.
No Penalty for Early Repayment
Pay off early with no extra fees. If you have surplus cash, clear it faster and reduce total interest paid.
Your Business Data Is Your Credit
Zyrix Micro-Lending — financing based on what you earn, not your bank history.