Hi gang , Im already invested with CRO cos the idea is good . Im...

Hi gang , Im already invested with CRO cos the idea is good . Im looking at better understanding and maybe further investing more seriously but I'm missing some knowledge here, and the i'm wondering if I can get some explanation from the think tank here.

So CRO can modernise the relationships between business creditors and debtors offering both an improvement in terms while billing a small %. I understand at a bnpl level that $250 might be easier repaid over 4 payments, and $250 is easy and cheap to fund. But in Agricultural business world , for example, where a debt of $50M is handled by CRO who then is funding that debt? is that where mastercard help? and at what price? Paying debts in instalments costs money for borrowing funds for the time it takes to repay. I mean, isnt the 3rd party , like CRO just holding a huge debt? $250 is easily funded, but $50M or $250M ? without even considering faults and non-payments, just the 45 day loan on hundreds of millions of dollars? Have I missed something? Cheers

Also what is to stop a much bigger operating from seizing the model , esp if they have access to cheaper finance? Would CRO have any protection other than a 1st mover advantage?