Woman in business attire pointing at a computer screen displaying financial icons and a highlighted button labeled 'Start a Credit Raise', with a jar of coins on the desk.

Access Direct Loans

On-Chain Credit for Growing Businesses

Most businesses don’t need a token — they need capital. RWA.io structures the loan, opens it to lenders, and tracks repayments on chain, with a clear path to tokenization when you’re ready to scale.

Apply for Direct Lending

Direct Lending Structures

Choose the structure that fits how your business earns and owns.

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Revenue-Based Loans

Repay as a share of future revenue until the agreed return is met. No fixed schedule — repayments flex with your cash flow. Best for businesses with recurring, predictable income.

Fixed-Term Loans

A defined loan amount, fixed rate, and agreed repayment schedule. Clean and predictable — suited to operators funding expansion, inventory, or a specific business objective.

Asset-Backed Loans

Unlock liquidity from property, equipment, or receivables you already own. The asset backs the loan on chain with full reporting throughout — and when you’re ready, tokenize and list it to widen your investor base.

1. Structure → 2. Raise → 3. Deploy → 4. Repay

How It Works

Access capital through a structured on-chain credit pool with predefined terms and full transparency.

1

Structure the Loan

Set your borrowing amount, purpose, duration, and repayment structure. RWA.io formalises this as a credit agreement — terms are fixed on chain before a single dollar is committed.

2

Open to Lenders

Your pool opens to lenders. Capital commits under the agreed terms — funding progress is visible on chain in real time. No intermediaries, no back-channel allocation.

3

Receive Capital

Funds are released to your business. Deploy to operations, acquisitions, inventory, or growth — exactly as structured in the credit agreement.

4

Repay, Report & Scale

Repay on schedule, fully tracked on chain. When you’re ready to scale, tokenize your asset and list it to raise from a wider pool.

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Borrow Now. Tokenize When Ready.

Your Path to On-Chain Capital

You have a real asset, a real business, and a real need for capital. RWA.io structures the loan, opens it to lenders, and gives you the funds — no token, no dilution. Build your on-chain track record. When the time is right, tokenize the asset, list it, and let a global pool of investors take it from there.

Apply for a Direct Loan
Laptop screen displaying Defactor's Raise Capital webpage with an illustration of a plant growing from a briefcase and a 'Start a Credit Raise' button.