SeedFi Merchant - Scalable Credit Access for Businesses
A B2B credit platform empowering merchants to support employee financing
Designed the SeedFi Merchant Portal, a seamless platform that enables businesses to access and manage large-scale credit facilities. This portal empowers merchants to secure loans and efficiently control disbursements to their customers/employees, providing financial flexibility while streamlining credit management.
Client
SeedFi - The Dataseed Company
Services
Product Design UI & UX Design
Industry
Finance
Duration
2 months
The primary objective was to create an intuitive and reliable web platform for businesses to access credit services quickly. Allowing merchants to secure large-scale loans with flexible repayment options. Give merchants the ability to allocate and track loan disbursements to customers/employees. The development of the SeedFi merchant portal had a significant impact on the business (SeedFi) growth. It led to the business closing 2024 with about N36bn in disbursed loans.
-The Challenge/Problem
- "How might we enable businesses to provide quick, controlled access to funds for their customers, without the complexity of external lenders or traditional loan systems?"
Customers/employees needed fast, reliable access to funds, and employers wanted a way to support their teams financially without becoming banks. Existing solutions were either too rigid, slow, or disconnected from the employer-employee/customer relationship.
SeedFi saw an opportunity to simplify this and took it.
-Process
How did we get started???
This was how we went from ideation to implementation
-Solutions
To address the challenge, we designed a two-sided platform that streamlines fund access and empowers businesses to manage internal lending independently.
Merchant onboarding:
We created a seamless onboarding flow for businesses interested in offering financial support to their customers. Merchants can register, get verified, and set up their accounts without complex paperwork.
SeedFi Disbursement Control
Once onboarded, SeedFi manages the credit disbursement directly to the merchant. This ensures accountability and avoids the need for customers/employees to interact with third-party lenders.
Merchant Portal
At the heart of the solution is a custom-built merchant portal with powerful tools to manage customers/employee lending:
Disburse Funds – Merchants can allocate funds to customers on request.
Track Repayments – Built-in repayment tracking simplifies internal accounting.
Loan History – Every transaction is logged, providing a transparent record for both the merchant and employee.
This approach eliminates the red tape usually associated with loans, while empowering merchants to support their workforce and customers directly, creating a faster, more trusted system for emergency funding.
-Key Features
The SeedFi Merchant Platform was designed to be intuitive, flexible, and employer-driven. These are the core features that made the system effective and user-friendly:
1. Merchant Dashboard
A centralized control panel for businesses to view credit status, manage disbursements, and monitor loan activity — all in one place.
2. Employee Management
Merchants can easily add, view, and manage customers. Each customer has a lending history and repayment profile tied to their record.
3. Instant Fund Disbursement
Merchants can disburse loans to customers instantly, removing delays often seen with third-party lenders.
4. Repayment Tracking
Automated repayment logging and status updates allow businesses to track employee repayments without manual bookkeeping.
5. Loan History Log
Every disbursement and repayment is recorded for transparency and accountability, making audits and reviews simple.
6. Secure Access & Permissions
Only verified merchant users can access the portal, with role-based controls for multi-user business accounts.
The SeedFi Merchant Portal revolutionizes business financing by providing seamless access to scalable credit, enabling merchants to efficiently manage loans and disbursements. The platform accelerates business growth while delivering a frictionless user experience that drives satisfaction and trust.