In today’s environment, platforms face rising acquisition costs, increasing churn, and mounting pressure to deliver more value to sellers — with less. At the same time, sellers are navigating a volatile landscape: fluctuating demand, tighter margins, and limited access to capital. Financial instability isn’t just a challenge, it’s a risk factor for retention. What sellers need is confidence. What platforms need is trust. And Tento bridges both.

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Tento brings business credit scores directly into the platform experience, enabling sellers to monitor, improve, and leverage their credit in real time. Much like personal credit tools, this embedded experience gives merchants visibility into their financial standing. But unlike traditional credit bureaus, we translate operational signals — not just static data — into actionable insights.

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Daily wins become long-term leverage. And platforms become more than a place to transact: they become a partner in growth.

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By embedding business credit monitoring into the existing product journey, platforms can unlock a powerful engagement loop: iIncreased logins and session frequency, higher seller retention and satisfaction, and new pathways for financial product adoption. Tento tools are already proving this out: sellers engaging with Tento tools log in 3x more frequently — signaling stronger platform stickiness and deeper financial engagement.

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In fact, platforms offering financial tools report stronger lifetime value and lower churn. Credit is a natural extension — reinforcing trust, deepening engagement, and positioning platforms as long-term partners in business growth.

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A strong business credit profile allows merchants to negotiate better terms, access more favorable financing, and operate with greater confidence. Yet most small businesses lack access to these insights or the tools to improve them.

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Tento can help you change by making credit transparent, actionable, and directly tied to platform activity. And sellers respond:

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• Our Score Update emails see a 64% open rate — more than 3x the industry average — turning credit improvement into a consistent, high-value touchpoint.
• Plus, 1 in 3 engaged sellers start a conversation with CredIQ, our AI co-pilot, opening the door to more personalized support and smarter capital access.

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This is what platform loyalty looks like when it's built on financial empowerment.

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The future of platform loyalty won’t be driven by discounts or features alone. It will be built on the ability to help businesses succeed — financially, operationally, and strategically. Let’s build the infrastructure that powers all three.