Stop giving your
profits away.
Woje is the only platform that turns businesses into their own lender — keeping 100% of every sale, earning the interest, and eliminating the need for collections.
Model the revenue yourself ↓Every sale costs businesses money they should be keeping
3–10% per transaction
Stripe, Square, and PayPal extract a percentage from every sale before the business sees a dollar.
Third parties keep the profit
Affirm, Klarna, and CareCredit earn the interest on sales the business made — the business pays to lose its own customer.
A "no" means lost revenue forever
When a third-party lender declines a customer, that sale is gone permanently — the business has no recourse.
The lender owns the customer
Whoever holds the loan controls the relationship. Businesses surrender their customers to third parties on every financed sale.
Woje makes the business the lender
A B2B2C fintech platform that lets any business offer in-house financing to their own customers in under 10 minutes — with patent filings in the US and India protecting the core methodology.
Sign up free
No upfront cost. Works on any browser or device. Live in minutes.
Set up payment plan
Business sets the terms, down payment, interest rate, and schedule directly with the customer.
Customer onboards
ACH authorization via Plaid. Automated withdrawals begin on schedule.
Business collects & earns
Auto-withdrawals process. Business earns the interest. Woje takes 25% of interest and fees.
16× platform volume — incoming in 45 days
The Basketball League (TBL) franchises are actively onboarding onto Woje. Franchisee data received. Final confirmation meeting in progress. Projected to add $6.5M to the platform within 45 days — with a ~$3.5M AAU basketball pipeline and iSignCo sponsorship financing directly behind it.
45 days
An untouched market segment
Woje doesn't compete in a single lane — it disrupts three overlapping industries simultaneously.
| Platform | 0% Merchant Fee | Business Earns Interest | No Denied Customers | Business Owns the Loan |
|---|---|---|---|---|
| Affirm / Klarna | ✗ | ✗ | ✗ | ✗ |
| Stripe / Square | ✗ | ✗ | ✗ | ✗ |
| CareCredit / GreenSky | ✗ | ✗ | ✗ | ✗ |
| wōjē | ✓ | ✓ | ✓ | ✓ |
Multiple streams that compound with every business
Subscription — $0 to $1,000/mo
13 tiers based on active payment plans (APPs). Starts free, auto-adjusts up and down. As businesses finance more customers they naturally move to higher tiers — no sales effort required.
25% of all interest earned
Businesses set their own rate. Woje takes 25% of all interest charged across every active payment plan — on a revolving balance that stays near its ceiling permanently.
25% of all fees
Late fees, bounce fees, and penalty charges — Woje captures 25% automatically. The platform's collection-prevention system keeps fees reasonable and plans performing.
Future revenue streams
Bank referrals, sellable lending data, financial education programs, and dashboard advertising as scale increases.
Model the revenue at your own assumptions
Every slider updates instantly. The model uses Woje's real subscription tier structure and revolving balance mechanic — not simplified averages.
Subscription insight
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Revolving balance insight
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The right people to win this market
Supported by CFO, CMO, CMA, brand, legal (Sorenson Witherspoon LLC), IP counsel (Goff IP Law), and a 6-person sales consultant network.
Request the pitch deck & financial model
Enter your details below and we'll send you the complete investor package — including the full pitch deck, 3-year financial projections, and a downloadable revenue calculator.