Took me a while to understand the core idea, which made it hard to judge. Had to circle back to understand; essentially its to drive temporary bump in cash-flow by charging more but rebating back. Questions around ballon payments just top of mind. (Cash-Flow-Injection Folks)

Cash flow to smbs through using a premium price from customer, and will receive certain percentage of that money back for paying more upfront. Lending through customer premiums. Very interesting concept, refine further how to pitch this simply to customers.

pay higher prices upfront for sales items refund later???

summary: loan from consumers at point of purchase given out of the box pretext, explain why users will adopt; address friction.

Innovative idea, seems like the entire customer base would need an education and trust in the SMB to return the money.

micro loans for merchants funded by customers via inflated prices that are later refunded