BizCredit Lending Instruments

BizCredit is BizMarket’s credit instrument. It explains the pooled lending book, weekly payouts, fixed quarterly return, maturity flow, and controlled exit mechanics.

BizCredit instruments give users exposure to BizMarket’s lending book. When you hold BizCredit, you are effectively participating in a credit pool managed by BizMarket. The loans in that pool generate interest, and that interest is paid out weekly to holders in stablecoins.

How BizCredit works

Parameter	Value
Unit price	$100 per BizCredit share
Return rate	4% per quarter
Weekly payment	$8.67 per share for 12 weeks
Payment currency	USDC, or local stablecoin
Cycle duration	12 weeks per series
Total return	$104 per share over the 12-week cycle
Payment mechanism	Automatically deposited to the user wallet every 7 days
Risk profile	Medium. Returns depend on the health of the loan portfolio

Payment schedule example

A user holds 5 BizCredit shares, or a $500 total investment.

Week	Payment per share	Total for 5 shares
Week 1	$8.67	$43.35
Week 2	$8.67	$43.35
Week 3	$8.67	$43.35
Week 4	$8.67	$43.35
Week 5	$8.67	$43.35
Week 6	$8.67	$43.35
Week 7	$8.67	$43.35
Week 8	$8.67	$43.35
Week 9	$8.67	$43.35
Week 10	$8.67	$43.35
Week 11	$8.67	$43.35
Week 12	$8.67 interest +$100 principal	$43.35 interest +$500 principal

What backs BizCredit?

BizCredit is backed by BizMarket’s actively managed loan portfolio. The portfolio includes:

• Businesses approved for working capital financing after assessment by the coordination layer.
• BizLend borrowers using tokenized stock assets as collateral to borrow in their local stablecoins.
• Short-term bridge lending facilities for businesses with clear repayment timelines.

BizMarket underwrites, monitors, and services the loans in the BizCredit pool. Diversification across multiple borrowers reduces single-loan concentration risk.

Controlled exit via BizSwap

BizCredit shares are not freely traded wallet to wallet. Investors exit through BizSwap, the protocol-managed liquidity mechanism.

• The user requests an exit through BizSwap.
• The protocol verifies eligibility and calculates the refund value.
• The swap settles from protocol liquidity, subject to available funds.
• A flat exit fee applies to the original principal amount.

Why BizCredit exists

BizCredit is the most straightforward income instrument on BizMarket. You put in capital, receive weekly payments for 12 weeks, and get your principal back at the end of the cycle.

Risks

• Borrower default can reduce recoveries.
• Concentration in one sector or borrower can affect returns.
• Liquidity is not guaranteed at exit.
• BizMarket’s reserve fund is a buffer, not a third-party guarantee.

Summary

BizCredit is BizMarket’s short-duration credit product. It is designed for users who want predictable weekly income from a managed loan pool.