ÖnGar
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Phase 1 demo livePre-Order Guarantee Model

Buyers, sellers and the bank, together in one marketplace.

ÖnGar is an e-commerce platform connecting buyers and selling companies across Türkiye; it brings the institution new customers, deposits and financing. The bank holds the money, not ÖnGar.

Try the simulationFor institutions →

Introduction film · narration and captions

Watch ÖnGar in two minutes

In the short film, the buyer, the seller, the bank and ÖnGar show how a prepaid sale works: the seller gives the bank collateral, the buyer's payment goes straight to the bank and the bank finances production. If the goods are delivered, the bank releases the payment to the seller; if not, the buyer is refunded right away, and ÖnGar never holds the money: it runs the flow.

Film page →Slide deck →

Holds the money
Licensed partner institution
Seller's guarantee
Collateral and limit
If not delivered
Refund + damages
Delivery time
2–24 months

Why ÖnGar

  • A marketplace that brings you customers

    Buyers and sellers meet on ÖnGar: sellers get buyers, the institution gets buyers and sellers it does not bank today.

  • Deposits and credit in one flow

    The buyer's payment becomes a deposit at the bank, which in the same flow finances the production of a seller with collateral.

  • Planned production, safe trade

    Sellers make what was ordered; if delivery fails, buyers get back what they paid plus damages.

ÖnGar, simply put

ÖnGar in six steps

Four characters, one flow: the buyer, the seller, the bank and ÖnGar.

  • BuyerPlaces a pre-order, pays
  • SellerCompany: produces, delivers
  • BankPartner institution: holds the money and the collateral
  • ÖnGarRuns the flow, never holds the money

  1. Step 1: The buyer's worry

    The buyer wants a home, or a product that has not been made yet, but is wary of paying up front. What if it is never delivered?

  2. Step 2: The seller's worry

    The seller needs financing to start production, but does not want to borrow at a high cost.

  3. Step 3: Enter ÖnGar

    ÖnGar is an e-commerce platform integrated directly with the bank. The buyer can be a person or a company, and meets the seller on the ÖnGar platform.

  4. Step 4: Collateral, limit, pre-order

    First the seller gives the bank collateral, and the bank sets a limit. The buyer's payment goes straight to the bank, not to ÖnGar: the bank gathers deposits from the buyer and finances the production of the seller who has posted collateral. ÖnGar never holds the money; it runs the flow.

  5. Step 5: Planned production

    Because orders arrive in advance, the seller can plan to produce what is in demand. The aim: the right quantity, less waste, efficient production.

  6. Step 6: Two possible endings

    If it is delivered

    The buyer receives the goods and confirms; after a short holding period, the bank releases the remaining payment to the seller.

    If it is not delivered

    The buyer's payment is refunded right away. The seller pays the amount back, protected against loss of value for the time that passed; if the seller cannot pay, the collateral covers the debt.

ÖnGar. Planned production, safe trade.

Who is it for?

  • Buyers

    A better price for paying early. Part of your payment stays blocked at a licensed institution until delivery and the rest is secured by the seller's collateral; if delivery fails, everything you paid and damages are refunded.

    See the demo listings

  • Sellers

    Fund production with the buyer's payment instead of credit. The more collateral you post, the bigger your limit and the cash you can use right away.

    Run the numbers

  • Partner institutions

    Buyers and sellers you do not bank today come to you: deposits from buyers, financing for sellers with collateral. You hold the money and approve the limit.

    Institution page

  • Investors

    Phase 1 demo is live. What we build, where we stand and the roadmap on one page.

    Investor summary

How it works

The money stays at the partner institution at every step

The buyer's payment arrives in an account at a licensed partner institution. For a sale within the limit, a share goes to the seller and the rest stays blocked until delivery. If delivery fails, the buyer gets the money back plus damages.

Money flow: buyer, blocked account at your institution, sellerpaymentto sellerBuyerSellerCollateralPartner institutionblocked accountblocked60-day holdno deliveryrefund + damagesMoney flow: buyer, blocked account at your institution, sellerpaymentto sellerBuyerSellerCollateralPartner institutionblocked accountblocked60-day holdno deliveryrefund + damages
  1. The buyer pre-orders and pays; the payment arrives in an account at the partner institution.
  2. Within the limit a share goes to the seller and the rest stays blocked until delivery; the part above the limit stays blocked in full.
  3. The seller delivers and the buyer confirms; a 60-day hold period runs.
  4. The blockage is released to the seller.

Worked example

How a $200,000 sale is split

Example rate card: commission 4%, in-limit blockage 30%, damages 36% a year, delivery in 24 months, 60-day hold after delivery. Amounts from the ÖnGar engine; the partner institution sets the rates.

Try your own numbers: simulation

Cash sale
$200,000
Blocked at the partner institution
$57,600
To the seller now
$134,400
Commission
$8,000
To the buyer if not delivered (payments + damages)
$344,000

Timeline

From pre-order to payout

  1. Pre-orderCash or instalments; the money is at the partner institution.
  2. Production and deliveryThe contract term: 2–24 months.
  3. Delivery confirmedThe buyer confirms; the delivery is recorded.
  4. Hold60 days; time to raise a claim.
  5. PayoutThe blockage is released to the seller.

Sectors

For every sale that takes time to deliver

ÖnGar's source model targets eleven sectors. Phase 1 starts with physical goods delivered months after payment; service sectors open in phase 2.

  • Phase 1 · in the demo

    Construction and housing

    Off-plan sales: the buyer pays during construction, the home changes hands on delivery.

  • Phase 1 · in the demo

    Made-to-order machinery

    Machines and equipment built to order, with a down payment and interim payments.

  • Phase 1 · in the demo

    Agriculture and food

    Pre-harvest contract sales and cooperative bulk purchases.

  • Phase 1 · in the demo

    Durable goods and furniture

    Goods made or sourced to order, from small appliances to furniture.

  • Phase 1 · in the demo

    Imported goods

    Products brought from abroad; foreign-currency purchasing comes in a later phase.

  • Phase 1 · in the demo

    Automotive

    Pre-orders of new and electric vehicle models, commercial fleet purchases; with the partner's vehicle credit option at delivery.

  • Phase 1 · in the demo

    Technology and R&D

    Pre-orders of upcoming electronic devices; software and crowdfunding-like projects come later.

  • Phase 2 · planned

    Education

    Long-term prepayment of school, course and university fees.

  • Phase 2 · planned

    Health and private services

    Check-ups and long-term health service packages.

  • Phase 2 · planned

    Tourism and hospitality

    Part of an early-booking payment stays blocked until the stay.

  • Phase 2 · planned

    Events and organisation

    Early ticket sales for concerts, congresses and trade fairs.

  • Phase 1 · in the demo: the live demo has example listings. Phase 2 · planned: service sectors, next phase.

Who gains

Trust for all three sides

Buyer

  • A better price for paying early.
  • Your payment is secured by the blockage and the seller's collateral.
  • Payments and damages back if delivery fails.

Seller

  • Funds production with the buyer's payment.
  • A limit as large as its collateral; part of an in-limit payment at once.
  • Shows it is trustworthy with an institution's guarantee.

Partner institution

  • New customers and commission income.
  • The blocked amount stays with you until delivery.
  • Risk measured and tracked by collateral.

Where is the money? The platform never holds customer money (the licence under Turkish Law No. 6493 lies with the partner institution). ÖnGar only calculates, issues instructions and keeps records; every money movement happens with the partner institution's approval. This site is a demo; no real payments are taken. Contact: send an e-mail.