01 / Liquidity
Working-capital visibility
Use current business evidence to understand the financing need and how it fits the operating cycle.
Underwriting theme
TeamSec Finance
Credit is created here.
BRSA-licensed financing · Team Finansman A.Ş.TeamSec Finance originates and finances B2B credit assets through the licensed Team Finansman A.Ş. entity — directly, through dealer and distribution networks, and embedded inside a partner's own commercial flow.
LicensedTeam Finansman A.Ş.
Financing is provided by the licensed entity, regulated by the BRSA. The group name does not sit in front of the regulated one.
UnderwrittenOn the group's own platform
Every asset is decisioned and monitored on infrastructure TeamSec builds, not on a licensed black box.
StructuredOriginated to eligibility
Assets are created against the criteria a securitisation will later be tested on, so nothing has to be rebuilt at the capital-markets end.
How credit reaches the business
Three routes. One accountable lender.
The route changes with the commercial context. Underwriting discipline, funding ownership and servicing responsibility do not.
01 · Direct
Business financing
A company applies for financing matched to its purpose, cash cycle and operating need.
02 · Partner-led
Dealer & distributor finance
Financing enters the sales journey, so a dealer can fund an eligible purchase at the moment it is agreed.
03 · Embedded
Credit as a service
Origination, decisioning, funding and servicing sit behind a partner-owned customer experience.
One asset record
Whichever route it came from
The route is a distribution choice. What arrives on the platform is the same underwritten, monitored, eligibility-tested credit asset — which is what makes the portfolio structurable later.
What it finances
Four products, because there are four different gaps.
A financing need is a position on the operating cycle, not an entry in a catalogue. The bars below say which part of the cycle each product is there to cover.
Investment & equipment
Capacity that pays for itself
Machinery, technology and capacity expansion financed against the productive asset — before the cycle it will serve has begun.
Before the cycle startsWorking capital
The gap between paying and being paid
Liquidity for inventory and operating expenses across the whole distance from buying an input to collecting for the output.
Purchase through collectionInvoices & receivables
Turn a maturity into cash
Financing against eligible invoices once the sale is made, so the business does not have to wait for the due date.
Sale through collectionProjects & trade
Cash flows with a shape
Structures built around a project or a trade cycle that does not fit the ordinary rhythm — domestic or cross-border.
Across the whole cycleEmbedded & ecosystem
Three parties. Each keeps a different thing.
Embedded financing only works when it is obvious who owns what. This is the split, stated before anyone asks.
The corporatekeeps
The relationship
The programme runs inside the partner's brand, channel and commercial terms. Their customer stays their customer.
TeamSec Financecarries
The credit
Underwriting, funding, servicing and regulatory responsibility sit with the licensed entity — explicitly, not by implication.
The platformcarries
The decision
Eligibility, limits and pricing logic are configured once and enforced in the partner's flow through defined interfaces.
Where this sits in the circuit
Origination is the start of the loop, not the end of a sale.
See TeamSec CapitalA funded credit asset stays connected to the platform that underwrote it. Its behaviour trains the next decision, and once it meets eligibility it can move to TeamSec Capital for structuring and distribution — without the portfolio being reassembled by hand.
Business financing & partnerships
Applications, products and dealer partnerships run on Team Finans.
Product detail, applications and regulatory disclosures for the licensed entity live on its own site.
Interactive technology map
A connected financing operating layer.
Follow the operational path from application and identity through underwriting, funding, servicing and portfolio monitoring.
Financing
record
record
Homepage intelligence layer
What financing operations are watching.
A practical intelligence layer around customer liquidity, underwriting quality, partner-originated flow and portfolio signals. It is an operating view, not financial advice or a market forecast.
02 / Quality
Decision consistency
Keep policy, evidence and exceptions visible so credit decisions can be reviewed rather than reconstructed.
Control theme
03 / Partners
Embedded origination
Make partner-originated financing feel native to the commercial journey without losing accountability or evidence.
Product theme
04 / Portfolio
Early signals
Use servicing and behavioural changes to trigger review before performance deterioration becomes a late-stage event.
Monitoring theme