Every platform with SME customers eventually hits the same wall. Your merchants, suppliers, or buyers need capital to grow, and you are the one who understands their business best.
You have the transaction data, the relationship, the trust. What you don't have is a lending license, an underwriting team, or the appetite to carry credit risk on your balance sheet.
So the gap gets filled badly. SMEs are pushed off-platform to chase financing elsewhere, through processes that ignore the very data that proves they're creditworthy. The platform loses the moment. The SME loses time it doesn't have.
We started Butter to close that gap without asking platforms to become something they're not. Butter sits underneath your product as the credit layer, structuring your SME customers into lending-ready opportunities, using the data you already generate, so financing shows up exactly where the need already exists: inside your platform.
Butter is built by Agile Studios, a venture studio that builds and operates products alongside their founding teams from day one.
Financing should live where business already happens, not in a separate app or process.
Platforms should not have to become lenders to serve their SME customers well.
Credit decisions are better when they're built on real data, not paperwork.