WHAT EACH SIDE SEES

The financier never learns who the customer is.

This is the condition that makes the whole thing possible, and it is why a shared spreadsheet or a lending app cannot do it. Three parties, three different views, all of the same order.

	Workshop	Financier	Buyer
Order value and delivery date	Yes	Yes	Yes
Materials funded and repayment due	Yes	Yes	No
Buyer identity	Yes	No	Yes
What the workshop charges the buyer	Yes	No	Yes
The financier's rate to other workshops	No	Yes	No

Every one of those noes is a reason somebody would refuse to take part if it were a yes.