A B2B payment platform that secures trade-credit transactions between contractors and building-material suppliers with alternative credit scoring and scheduled back-to-back payments.
Contractors ran on supplier trade credit, but thin-file businesses had no easy way to prove creditworthiness.
Suppliers carried risk manually, chased invoices and took losses on defaults.
The client needed a platform that offered alternative credit scoring and secured scheduled payments.
Built an alternative credit-scoring engine using bank data (Plaid) and on-platform behaviour.
Added back-to-back scheduled payments so suppliers are paid as contractors are paid downstream.
Shipped dispute workflows so payment holds happen transparently, not by phone call.
Integrated Stripe for card and ACH processing.
Suppliers extend credit with confidence because scoring is data-driven.
Contractors access working capital without traditional bank friction.
Defaults dropped once payments were scheduled against downstream receivables.
The exact tools in the delivered system. We pick the stack to fit the problem and the team — not the trend cycle.
Most clients renew for a second engagement. The ones who don't usually hire someone from our team to run the project in-house.
We are a mental health charity and not tech minded. We needed to improve our patient registration system but wanted a company that we can relate to. Hassan took the time to meet with me and patiently went through our process to find a personalised solution for us. Hassan's team did a great job streamlining our process and connected our registration system to our patient management software. Whenever we have a glitch, they resolve this quickly. Cloudini provides a personal and efficient service and we have adopted them to be our IT provider.
I am writing to wholeheartedly recommend Cloudini as a premier bespoke software development agency. Our journey with them has been nothing short of exemplary, far exceeding our initial expectations. While many agencies can develop based on strict specifications, Cloudini demonstrated an incredible commitment to our project that was truly unparalleled.
Dragonfly has been working with the team at Cloudini for several years now on building out our web-based platform and APIs. One of their strengths is quickly building out a multi-disciplinary team to work on the development and delivery of features with different technical requirements. Their support has allowed us to accelerate our development work without building an internal team. They have also worked seamlessly with other third parties both during the acquisition of Dragonfly and development of our mobile app. Cloudini has been instrumental in bringing our ideas to life and providing guidance to help us make the best technical decisions. I would recommend getting in touch with them if you're looking for support.
We've been building software since 2010 — 16 years of delivery across finance, healthcare, retail, logistics, energy, the public sector, and beyond. We're a consultancy, not a body-shop, and we've kept the same engineering discipline across every engagement shape.
Thirty minutes with an actual engineer. No sales, no drip campaign. If we're the wrong fit we'll tell you and point you somewhere better.
