24 September 2026 — Institutional financing room
This update brings the financing features together in an institutional workflow: qualification of the institution, preparation of requests, file analysis, bank offers, portfolio monitoring and in-app assistance.
Sending a request requires a partner institution that is activated and authorised for the country and product concerned. A feature being present in Tauraco does not guarantee that a recipient is available. When no institution is available, the file stays in preparation; no financing or bank issuance results from it.
A new financing journey
The former financing area for investors gives way to exchanges between the company and financial institutions. The company prepares its request from its invoices and supporting documents; each recipient institution reviews the file and enters its own terms. Bank monitoring brings together requests, drawdowns, due dates and exceptions to handle.
| Feature | Change |
|---|---|
| Invoice processing | A completed analysis makes the file ready for review; it no longer publishes an investment offer. |
| Institution access | An approved KYB (know your business) file is required to use the banking features. |
| File analysis | A dated, named analysis is available to the company and to authorised recipients. |
| Bank offers | Structured terms are entered by the institution and kept with the offer. |
| Comparison tools | Competitive position and market ranges respect the confidentiality of other institutions. |
| Institutional subscription | STANDARD/PREMIUM rights, renewal date and history are visible according to role. |
| Guide and assistance | The in-app guide and assisted analyses cover the financing features. |
How it works
- Tauraco does not lend and does not hold funds. The decision and the disbursement belong to the institution.
- The platform neither sets nor suggests rates, fees, margins or advance ratios. It displays the terms entered by the bank and recommends no offer.
- Analysis indicators are named and dated, with their calculation method.
- The named analysis is restricted to the company and to the authorised recipients of its request.
- Comparison tools do not reveal the identities or individual terms of competing institutions.
An institutional financing workflow
Investment features for investors, the related portfolios and auctions are closed. Completing an invoice analysis no longer publishes a financing listing. The company continues by preparing a bank request and explicitly choosing its available recipients.
Financial terms are set by the institutions. The platform organises the file, the exchanges and the monitoring without calculating an offer on their behalf.
Onboarding an institution with a KYB file
An invited institution submits its KYB file: licence, articles of association, trade register entry and documents about its managers. Compliance reviews the documents and approves the qualification. Submitting the file alone does not grant access to the banking features; approval is required, together with user permissions and the institution’s authorised scope.
Named analysis and institutional subscription
Each submitted request has a dated analysis based on the information available about the debtor and the seller, including their payment history. The company can view its own analysis; recipient banks access it according to their subscription rights. The transmitted file keeps the information received at the time of submission.
Since the product decision of 20 September 2026, the analysis no longer applies any check or penalty related to the IBAN or bank details. A favourable analysis therefore does not validate bank details; their verification remains separate.
Structured terms, position and market ranges
Offers show the rate, its type, the advance ratio and the fees entered by the bank. Once submitted, their commercial terms can no longer be edited in place: a revision creates a new version.
In the competitive mode designed for this purpose, an institution can see its own position without seeing its competitors’ amounts or identities. Market ranges are anonymised aggregates, available only when the sample includes at least three offers from three different institutions. Otherwise, no partial range is shown. These tools are neither rate advice nor an offer recommendation.
Bank cockpit
The cockpit brings together four work queues: files, drawdowns, stock releases and exceptions. The inbox sorts requests and shows how long they have been waiting; the schedule makes it easier to follow repayments. Sorting by due date takes into account the information kept in the transmitted file.
The consolidated view is part of the PREMIUM subscription. Queues remain available individually with the corresponding STANDARD rights.
Managing institutional subscriptions
An authorised administrator can view and manage an institution’s STANDARD or PREMIUM level, its renewal date and the history of changes. The institution sees its subscription status in its cockpit.
Institutional subscriptions are arranged through the Tauraco contact shown in the application. The subscription determines which software features are available; it replaces neither the institution’s qualification nor its activation for a country and a product.
In-app guide
The guide, available from the “Guide” menu, presents the features that match the user’s modules and rights. It covers KYB, file analysis, offers, competitive position, market ranges, the cockpit and subscriptions.
AI assistant and assisted analyses
The assistant and the analysis panels cover files and bank monitoring according to role and subscription. Information sent to the analysis service is limited to the authorised scope, with identities masked before the call.
When the service is unavailable, the panels concerned show that they are running in degraded mode. Suggestions must be reviewed and approved by the user; they are neither a credit decision nor a banking transaction.