BizCredit instruments give users exposure to BizMarket’s lending book. When you hold BizCredit, you are effectively participating in a credit pool managed by BizMarket. The loans in that pool generate interest, and that interest is paid out weekly to holders in stablecoins.Documentation Index
Fetch the complete documentation index at: https://docs.bizfi.bitsave.io/llms.txt
Use this file to discover all available pages before exploring further.
How BizCredit works
| Parameter | Value |
|---|---|
| Unit price | $100 per BizCredit share |
| Return rate | 4% per quarter |
| Weekly payment | $8.67 per share for 12 weeks |
| Payment currency | USDC, or local stablecoin |
| Cycle duration | 12 weeks per series |
| Total return | $104 per share over the 12-week cycle |
| Payment mechanism | Automatically deposited to the user wallet every 7 days |
| Risk profile | Medium. Returns depend on the health of the loan portfolio |
Payment schedule example
A user holds 5 BizCredit shares, or a $500 total investment.| Week | Payment per share | Total for 5 shares |
|---|---|---|
| Week 1 | $8.67 | $43.35 |
| Week 2 | $8.67 | $43.35 |
| Week 3 | $8.67 | $43.35 |
| Week 4 | $8.67 | $43.35 |
| Week 5 | $8.67 | $43.35 |
| Week 6 | $8.67 | $43.35 |
| Week 7 | $8.67 | $43.35 |
| Week 8 | $8.67 | $43.35 |
| Week 9 | $8.67 | $43.35 |
| Week 10 | $8.67 | $43.35 |
| Week 11 | $8.67 | $43.35 |
| Week 12 | 100 principal | 500 principal |
What backs BizCredit?
BizCredit is backed by BizMarket’s actively managed loan portfolio. The portfolio includes:- Businesses approved for working capital financing after assessment by the coordination layer.
- BizLend borrowers using tokenized stock assets as collateral to borrow in their local stablecoins.
- Short-term bridge lending facilities for businesses with clear repayment timelines.
Controlled exit via BizSwap
BizCredit shares are not freely traded wallet to wallet. Investors exit through BizSwap, the protocol-managed liquidity mechanism.- The user requests an exit through BizSwap.
- The protocol verifies eligibility and calculates the refund value.
- The swap settles from protocol liquidity, subject to available funds.
- A flat exit fee applies to the original principal amount.
Why BizCredit exists
BizCredit is the most straightforward income instrument on BizMarket. You put in capital, receive weekly payments for 12 weeks, and get your principal back at the end of the cycle.Risks
- Borrower default can reduce recoveries.
- Concentration in one sector or borrower can affect returns.
- Liquidity is not guaranteed at exit.
- BizMarket’s reserve fund is a buffer, not a third-party guarantee.