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● NO PAYMENT UNTIL YOU USE YOUR LIMIT

We pay your supplier today. You defer up to 120 days.

are8 EF settles your supplier invoice the same day through partner financing companies. You can defer the payment for up to 120 days or spread it over up to 6 equal instalments. Instead of collateral, micro-instalments flowing from your POS and platform turnover do the work.

Same day
payment to your supplier
120 days
up to deferral
6 months
up to equal instalments
24 hours
preliminary assessment
are8 EF orchestrationlive
Supplier invoice approvedAnadolu Et · 14-day term invoice₺186.400
Share taken from platform payoutFrom the food-platform payment₺1.640
Share taken from POS collectionAutomatic, based on daily turnover₺2.980
Smart contract activated120-day deferral · micro-collection from turnoveractive
Instalment auto-collected from turnover₺2.980
How it works

Four steps: the invoice goes in, cash flow eases up.

are8 handles the orchestration; limit allocation and disbursement are carried out by licensed financing companies.

01
Enter the invoice

Submit your supplier invoice via are8; if you use are8 POS the data flow comes in automatically.

Within minutes
02
are8 AI scores it

Your POS and platform turnover, collection rhythm and seasonality are read; a preliminary limit is produced.

Within 24 hours
03
Same-day payment to the supplier

The approved invoice is paid to the supplier upfront by the partner licensed financing company.

Same day
04
Micro-instalment from turnover

The smart contract runs repayment by taking small shares from your POS and platform payouts.

Automatic
Defer up to 120 days

Your supplier gets paid today, and you can postpone the payment in a single go for up to 120 days. Ideal for balancing cash flow through seasonal swings.

Single payment · at the end of term
Up to 6 equal instalments

Spread large supply purchases over up to 6 equal instalments. Instalments are collected automatically in small shares from your turnover, so you don't have to track a due date.

Equal instalments · automatic from turnover
Smart contract

Cash flow instead of collateral. Small instalments, big limits.

In classic lending the limit is tied to collateral: a mortgage, a guarantor, a pledge. With are8 EF the limit is tied to the rhythm of your turnover. The smart contract runs repayment by taking small daily or weekly shares from your POS collections and food-platform payouts. Because your payment behaviour is predictable, the financing company can grant a higher limit.

✓Payment is taken in small shares from your daily turnover flow — no large one-off outflow✓POS collections and food-platform payouts can be routed directly to the financing company✓Predictable payment behaviour opens the way to a higher limit allocation✓When turnover drops, collection slows proportionally too — the pressure of a fixed instalment eases
Sample flow · illustrative
Supplier invoice₺186.400
Payment to supplierSame day
Chosen term120-day deferral
Daily turnover (average)₺42.000
Daily share taken from turnover≈ 7%
Supplier upfront discountMay offset the financing cost

Amounts are illustrative; the actual limit, term and cost are determined by the licensed financing company's assessment.

Supplier ecosystem

Upfront purchasing power comes back to you as a discount.

When the supplier gets paid today, the bargaining balance shifts. Thanks to the upfront purchasing credibility that are8 EF creates, the discount you get from the supplier can offset your financing cost — and even exceed it.

FOR THE RESTAURANT
Upfront buying power means a discount

When your invoice is settled upfront, you swap places at the negotiation table with your supplier.

Ability to request a discount in return for upfront paymentThe discount can offset the financing costBuying in larger batches, better unit cost
FOR THE SUPPLIER
Don't carry the collection risk

Direct your restaurant customer to are8 EF; your receivable turns into cash upfront.

Getting paid upfront on a term saleElimination of collection riskOffering the customer a longer term and growing the sale
ARE8'S ROLE
Orchestration layer

We coordinate the data, the application, the contract and the collection.

Scoring and preliminary limit with are8 AIIntegration with licensed financing companiesSmart contract and automatic collection flow
Chains & franchises

We're turning restaurant chains into fintechs.

With limits defined for your franchisees, collect the payment for an order instantly. The franchisee buys on term, you collect upfront. are8 EF positions itself like a finance department working inside the chain — franchise loans, franchisee limits and collection assurance in a single system.

Franchisee limits

Head office defines a limit for each franchisee. The franchisee orders on term, head office collects instantly.

Zero collection risk

Chasing the franchisee's receivable is lifted off head office; the risk is transferred to the financing company.

Franchise loans

New branch openings, renovations and equipment investment are financed from revenue with micro-instalments.

Like a finance department

An embedded finance layer working inside the chain: scoring, limits, collection and reporting in one panel.

“Head office transfers the collection risk to us and finances franchisee growth; both appear in the same panel.”

Start a chain conversation
Pricing

You don't pay for the platform unless you use your limit.

are8 EF is subject to an annual platform usage fee; however, even when your limit is allocated, no platform fee accrues as long as you don't use it. Limit allocation is free — there are no file charges or commissions.

✓Limit allocation is free — no file charge and no commission✓No platform fee accrues for a limit you don't use✓Option to split the platform fee over 12 months on first use✓are8 POS and are8 Table use are free on top of that
Annual platform usage fee
29.000 ₺+ VAT / year
12 instalments on first use
2.416,67 ₺ + VAT per month
Limit allocationFree
File / application chargeNone
Limit you don't useFree
Apply for a limitAll pricing →
Who makes the financing decision?

are8 is not a financing company, bank or payment institution. Limit allocation, disbursement and financing decisions are carried out by financing companies licensed by the BDDK under Law No. 6361. are8 is the platform provider that runs the application, data flow, scoring and collection orchestration. Financial data is shared only with your explicit consent.

Frequently asked

About are8 EF

No. Even when your limit is allocated, no platform usage fee accrues as long as you don't use it. Limit allocation is free; no file charge or commission is taken.

No mortgage, guarantor or equipment pledge is required in the classic sense. Repayment runs through the smart contract, in small shares taken from your POS collections and food-platform payouts. The final collateral structure depends on the licensed financing company's assessment.

The approved invoice is paid to the supplier within the same day by the partner financing company. The supplier gets its money upfront, while you keep using the term.

You can defer the payment in a single go for up to 120 days, or spread it over up to 6 equal instalments. Which option is assigned to you is determined by your turnover profile and the assessment result.

Suppliers usually apply a discount in return for upfront collection. Because are8 EF settles your invoice upfront, you become able to request that discount; in many scenarios the discount largely or fully offsets the financing cost.

Suppliers turn their receivables into cash upfront and shed their collection risk by directing their restaurant customers to are8 EF. To apply for the ecosystem, you can select the “Partnership” topic on the contact form.

Head office collects an order's payment instantly through the limits defined for its franchisees; the franchisee buys on term. This way head office doesn't carry the collection risk, and the franchisee can restock without disrupting cash flow. Franchise loans are also repaid from revenue with micro-instalments.

No. are8 runs the orchestration, data flow and scoring; the limit allocation and disbursement decision belongs to financing companies licensed by the BDDK under Law No. 6361.

Only within the scope of your explicit consent and to the extent required to assess your application: licensed financing companies, payment institutions and authorised bodies such as KKB/Findeks. You can withdraw your consent at any time.

Yes. You can apply by sharing your existing POS and platform data. Using are8 POS (which is free) automates the data flow, so it speeds up the assessment and usually gives better visibility.

Finding out your limit requires no commitment.

Fill in your application and we'll get back to you with a preliminary assessment within 24 hours. You don't pay for a limit you don't use.