R2

R2 is embedded lending infrastructure that lets platforms offer financing to their merchants. It addresses the operational burden of running a lending program by handling KYC, risk assessment, funding, and compliance, while the platform retains the financial services experience within its own product. The service operates across Mexico, Brazil, Chile, Colombia, and Peru.

Integration is handled through pre-built APIs and SDKs, with an embedded component that reduces development effort. AI-driven risk models use platform data to generate dynamic, pre-approved credit offers for eligible merchants, and AI agents provide ongoing support and servicing. Repayments are tied to a percentage of daily sales, and merchants complete applications in-platform. R2 manages liquidity and same-day funding; in Brazil, lending is delivered through a Lending as a Service partner that holds KYC and compliance responsibility, with R2 acting as a second layer.

R2 is built for platforms such as POS systems that want to provide revenue-based financing and merchant cash advances to their sellers. Access is arranged through a demo booking rather than self-serve signup, and the pages do not describe a free plan, trial, or seat-based pricing.