Embedded lending providers offer working capital, B2B BNPL, invoice financing, and revenue-based financing via APIs so platforms can offer credit to their customers. Compare approval flows and pricing models.
| Provider | HQ | Category | Target Market | Dev Portal | ||
|---|---|---|---|---|---|---|
 | Unit |  | BaaSCard Issuing+2 | FintechsPlatforms+2 | Docs | View |
Sunlight Financial | | Lendingmerchant-financing | contractorshome-services+2 | Docs | View | |
 | Solarisbank (Solaris) |  | BaaSCard Issuing+3 | FintechsBrands+1 | Docs | View |
Wisetack | | Lendingmerchant-financing | contractorshome-services+2 | Docs | View | |
 | Column | | BaaSPayments+3 | FintechsPlatforms+1 | Docs | View |
 | Cross River | | BaaSPayments+5 | FintechsNeobanks+3 | Docs | View |
 | Bond Financial (FIS) | | BaaSCard Issuing+2 | BrandsPlatforms+1 | View | |
 | Parafin | | LendingEmbedded Capital+1 | PlatformsMarketplaces+1 | View | |
Blnk Finance |  | Ledger-as-a-ServiceLending+1 | FintechsPlatforms+1 | Docs | View | |
JustiFi | | PaymentsLending+1 | Vertical SaaSSaaS+1 | Docs | View | |
Kanmon | | LendingB2B BNPL | Vertical SaaSSaaS+1 | View | ||
Pipe | | LendingEmbedded Capital | SaaSPlatforms+1 | View | ||
Lendio | | Lendingmarketplace | SaaSAccounting+2 | View | ||
Defacto |  | LendingB2B BNPL+1 | MarketplacesVertical SaaS+1 | View | ||
Finmid | | LendingB2B BNPL | Vertical SaaSMarketplaces+1 | View | ||
 | Fundwell | | LendingEmbedded Capital+1 | SMBsPlatforms+1 | View | |
Liberis | '%3e%3cpath fill='%23012169' d='M0 0v30h60V0z'/%3e%3cpath stroke='%23fff' stroke-width='6' d='m0 0 60 30m0-30L0 30'/%3e%3cpath stroke='%23C8102E' stroke-width='4' d='m0 0 60 30m0-30L0 30' clip-path='url(%23b)'/%3e%3cpath stroke='%23fff' stroke-width='10' d='M30 0v30M0 15h60'/%3e%3cpath stroke='%23C8102E' stroke-width='6' d='M30 0v30M0 15h60'/%3e%3c/g%3e%3c/svg%3e){kind=small} | Lendingmerchant-financing+1 | pspsPlatforms+2 | View | ||
Youlend | | Lendingmerchant-financing+2 | PlatformsMarketplaces+2 | View | ||
eCapital | | Lendinginvoice-financing+2 | Platformshealthcare+3 | View | ||
Hokodo | | InsuranceB2B BNPL+1 | b2b-marketplaceswholesale+1 | Docs | View | |
Toast | | Vertical SaaSembedded-payments+2 | restaurantshospitality | Docs | View | |
ServiceTitan | | Vertical SaaSembedded-payments+1 | home-serviceshvac+2 | Docs | View | |
 | Engine | | Lendingmarketplace+1 | FintechsPlatforms+2 | Docs | View |
Ratoon | | BaaSCard Issuing+3 | FintechsPlatforms+2 | View |