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.
Le besoin financier naît dans l’outil de gestion, pas sur le site d’un fournisseur de services financiers. Hapto intègre les services financiers là où les besoins apparaissent (dans les outils de gestion du quotidien), et fait disparaître toute friction pour y souscrire
Un service activable à la demande
Dès qu’un besoin est détecté — décalage de trésorerie, risque d’impayé, besoin de financement — l’entreprise accède en un clic aux solutions financières auxquelles elle est éligible pour y répondre.
Un parcours de souscription fluide
Un dossier de souscription se constitue en quelques clics seulement.
Une souscription intégrée au quotidien
De la proposition à l’activation, l’ensemble du parcours se déroule dans l’environnement de confiance du client. Aucune rupture, aucune friction.
L’outil de gestion reste le point d’entrée
Une fois le service activé, le client reprend son activité là où il l’avait laissée. Pour vous, c’est une offre enrichie ; pour lui, c’est son outil qui fait plus, sans changer ses habitudes !
"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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