Embedlend is the credit rail underneath your platform — originate, underwrite, and service loans through one API while our chartered bank partners hold the license, the capital, and the regulatory weight. You ship the experience. We own the hard part.
const offer = await embedlend.offers.create({
borrower: "acct_9fa2c1",
product: "installments_4x",
amount: { value: 240000, currency: "USD" },
decision: "realtime"
});
// → approved in 380ms
// → lender_of_record: "Cascade Bank, N.A."
// → offer.terms.apr = 0.0 // merchant-subsidizedPowering credit inside platforms across commerce, B2B, and vertical SaaS
Becoming a lender takes a charter, capital, a risk team, a servicing platform, and a compliance department. Embedlend is all five, exposed as endpoints your engineers can call this sprint.
Create offers, capture applications, and book loans with a single idempotent call. Net terms, installments, lines of credit, and term loans all run on the same primitive.
Bring your own data or use our bureau, cash-flow, and KYB models. Decisions return in under 400ms with a full, auditable reason code on every approve or decline.
Our chartered bank partners originate every loan, so you skip the state-by-state license patchwork. The regulatory perimeter sits on our side of the API, not yours.
Statements, repayment scheduling, dunning, and payoff are handled end to end — with white-labeled borrower comms that read as your brand, not ours.
Infrastructure with a charter behind it
The same four endpoints power checkout financing, B2B net terms, and embedded working-capital lines. Pick the product; the infrastructure is identical.
Add installment offers to the cart with one component. Approvals clear before the borrower finishes typing their email — abandoned carts become booked loans.
Extend trade credit to business customers and get paid upfront. We underwrite the buyer, fund the invoice, and chase the receivable.
Turn the cash-flow data already in your product into pre-approved revolving credit for the SMBs you serve — surfaced right inside your dashboard.
Offer fixed-term loans for big-ticket purchases with amortization, autopay, and payoff handled by our servicing layer end to end.
Lending is one of the most regulated things software can do. Embedlend absorbs the parts that would otherwise need a legal team, a bank charter, and a two-year roadmap.
Loans are originated by FDIC-insured, chartered partner banks under programs we manage. You inherit nationwide reach without holding a single lending license, and the bank — not your platform — sits in the regulatory line of fire.
Truth-in-Lending and state-specific disclosures are produced and version-archived for every offer, automatically.
Every model is documented, explainable, and continuously tested for disparate impact and ECOA adverse-action coverage.
Identity, business verification, OFAC screening, and fraud checks run inside the application flow — no second vendor to wire up.
Immutable, timestamped records of every decision and disclosure turn an exam request into an export, not a fire drill.
“We'd scoped becoming a lender — eighteen months, a compliance hire, and a bank deal we couldn't get a meeting for. With Embedlend we launched pay-in-4 in five weeks, and the charter risk was never ours to carry.”
“Our buyers kept asking for net terms and we kept saying no because of the receivable risk. Now Embedlend underwrites them, funds us on day zero, and collects. Average order value is up 31% on accounts that take terms.”
“What sold our risk team was policy-as-code with backtests. They could see exactly what a rule change would have approved last quarter before it ever touched a live borrower. That never happens with a black box.”
No platform fee to integrate. You pay a basis-point spread on funded loans plus a flat fee per active loan serviced — and nothing on declines.
Build and test the full stack for free.
For platforms originating at volume.
For high-volume programs and embedded fintechs.
No. Every loan is originated by one of our chartered, FDIC-insured partner banks under a program we manage. They are the lender of record across all 50 states, so the licensing and the regulatory exposure sit with the bank and with us — not with your platform.
Your choice. Loans can be funded by our balance-sheet partners through the capital marketplace, or you can plug in your own forward-flow buyer. Funding capacity scales with your originations and never draws down your own runway.
Most teams make their first sandbox decision within a day using the typed SDKs, and ship a live product in four to six weeks. The long pole is your own UX and risk-policy sign-off, not the API.
Yes. Use our bureau, cash-flow, and KYB models out of the box, bring your own signals, or run your own model behind our decisioning. Either way you get explainable reason codes and ECOA-compliant adverse-action notices on every decision.
Embedlend is SOC 2 Type II and operates under GLBA. Disclosures are auto-generated and archived, models are tested for fair-lending impact, and every decision is logged immutably — so an exam or audit request is an export, not a scramble.
Spin up sandbox keys in minutes and make your first credit decision today. No charter, no bank deal, no sales call required to start.