Sellers want cash. Buyers want time.

The gap between the terms the seller wants and the terms the buyer wants. Seller wants cash on approval, buyer wants Net 30, and that's a 30-day mismatch. Both want Net 30, so there's no mismatch and no financing charge.

1.25% of transaction value per 30 days of mismatch. On a $100,000 deal, a 30-day gap costs $1,250 and a 60-day gap costs $2,500. No gap costs nothing.

Agencies do. Matium licenses its credit, capital, and logistics to Agencies at 2.5% of transaction value, plus 1.25% per 30 days of mismatch. The Agency sets its own terms with its customers. If you're trading on Matium and want a deal handled end-to-end, you work with an Agency, or become one.

Whoever asked for the terms that opened the gap. It's priced identically in both directions, so it doesn't matter which side moves. The cost of 30 days is the same whether the seller pulls its terms in or the buyer pushes its own out.

That's Matium's problem, not yours. Once funds clear to your account, payment is final. No clawback, no chargeback, no callback weeks later asking for the money back.

Matium handles it on both sides. Sellers' payments aren't clawed back. Buyers don't pay for material that doesn't match spec. The dispute gets worked out directly, so the deal doesn't stall while you argue with the other side.

Buyers fill out a short online credit application. Many are approved within minutes. Larger or more complex applications may need additional checks before approval. Once approved, you transact on Matium with payment and quality guaranteed on every deal.

Erebor Bank. Matium facilitates the underwriting and covers the credit risk; Erebor backs the financing.