Every financial service your clients need in one click
Hapto embeds financing, insurance, factoring, and treasury management directly into the tools SMEs already know and trust. No disruption, no detour, just the right services, exactly when they need them.
- Invest your short-term or medium-term cash surplus
- Generate higher returns than a current account, with flexible cash management
- Optimise your financial management without locking up your funds
- Cover risks related to your business activity
- Prevent unexpected events from affecting your company’s stability
- Gain day-to-day peace of mind, with better control over operational risks
- Anticipate cash flow gaps and cover the risk of unpaid invoices
- Protect your cash position
- Manage cash flow gaps, finance your projects and secure your business activity
Your customers deserve faster access to better financial services
SME owners face concrete financial challenges directly inside their management tools: a late payment risk, a cash flow gap, or an urgent need for liquidity. They shouldn't have to look elsewhere to solve them.
The financial need arises inside the management tool, not on a provider’s website. Hapto brings financial services to where the need actually appears—right inside the tools businesses already use—and removes the friction.
A service activated on demand
The moment a need is identified—whether a cash flow gap, a late payment risk or a financing requirement—the SME gets one-click access to the financial services they’re eligible for.
A smooth application journey
The application can be completed in just a few clicks.
An application process embedded in daily operations
From the initial offer to activation, the entire journey takes place inside the tools customers already use and trust. No disruption, no friction.
The management tool stays the entry point
Once the service is activated, customers pick up exactly where they left off. For you, it means a stronger offering and a new acquisition channel. For them, their tool simply does more, without changing how they work.
"SMEs are not short of business. What they lack is financial fluidity, the ability to access the right financial service at the right moment. Embedded finance does not reinvent finance. It finally makes it accessible, contextual, and immediately useful to businesses."
Two integration models, tailored to your ecosystem
For financial services distributors, Hapto offers two integration models:Deployed within days by the Hapto team, this option lets you connect to the Hapto ecosystem quickly, with no technical complexity.
We connect financial services directly to the data and workflows of management platforms, so they can be activated inside the tools businesses already use. You keep full control over the experience.
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