Expand your business by making financing part of your product strategy
Revolutionize financing for your customers with adaptable solutions that drive their success, and yours, beyond traditional capabilities.
Grow your business faster by adding financing as a profit driver
Unlock new revenue streams, increase customer value, and scale faster with effortless embedded financing.
Provide your customers with instant access to capital
Why partners are choosing eCapital for embedded lending
SMBs aren’t one-size-fits-all—and their financing solutions shouldn’t be either. That’s why we offer a fully customizable, end-to-end embedded lending suite designed to scale with your customers’ needs.
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Tailored for every SMB: Support businesses of all sizes, industries, and financing needs—from startups to mid-market leaders.
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Flexible funding range: From turning $1,000 invoices into cash to structuring $50M financing solutions—all through one trusted partner.
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Embedded lending, your way: Access every flavor of embedded lending to match the unique cash flow needs of your diverse SMB customers.
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Backed by industry expertise: Our proprietary database spans 80+ industries, powering smarter, faster funding decisions.
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Co-created solutions: We collaborate with partners to customize how our financing solutions integrate and deliver value—no “one-size-fits-all” approach here.
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Built to flex, not just fit: Unlike rigid, off-the-shelf providers, we adapt our offerings to align with your platform and customer journey.
BECOME AN EMBEDDED EXPERT
Learn more about how embedded lending can transform your business
Platforms are launching new offerings and experiences with lending-as-a-service solutions from eCapital. Read our guide to learn how embedded lending works and what you need to get started.
HOW IT WORKS
Unlock your next phase of rapid growth through embedded lending
EMBEDDED USE CASES
Financing that solves real challenges across industries, growth stages, and cash flow needs
Fueling property management growth with embedded lending
OVERVIEW
A fast-growing property management SaaS platform wanted to offer built-in financing to help users cover property upgrades, maintenance costs, and seasonal cash flow gaps—without building a lending system from scratch.
CHALLENGE
Many landlords struggled to access capital through traditional banks. The platform needed a simple, embedded lending solution that fit seamlessly into the user experience.
SOLUTION
Partnering with eCapital, the platform integrated working capital offers directly into its dashboard via API. Property managers could now apply for and access funding based on rental income data—without leaving the system. The result: stronger user retention, a new revenue stream, and zero added compliance burden.
Franchise management SaaS platform integration with embedded financing
OVERVIEW
To help multi-unit franchisees access working capital, a leading franchise SaaS platform integrated financing into its dashboard—enabling fast, convenient funding for growth and operations without building its own lending arm.
CHALLENGE
As the platform grew, it lacked a key feature: easy access to financing. Franchisees faced hurdles with traditional loans—slow approvals, rigid credit checks, and complex applications.
SOLUTION
The platform partnered with eCapital to embed lending directly into its dashboard, using real-time data to deliver tailored funding offers. Franchisees could apply and access capital within days—enabling fast action on growth, equipment, or marketing needs.
Integrating a TMS with embedded financing
OVERVIEW
To expand its offering, a transportation management platform serving freight carriers and owner-operators integrated embedded financing—enabling users to access fast working capital for fuel, maintenance, and scaling operations. The solution needed to be quick, seamless, and handled by a trusted fintech provider familiar with transportation cash flow cycles.
CHALLENGE
Drivers and fleet operators often wait 30+ days for invoice payments, while expenses like fuel, repairs, and payroll are due immediately. Traditional financing was too slow and inflexible for fast-moving logistics businesses. The platform needed a built-in solution to convert freight invoices into immediate access to cash—without disrupting day-to-day operations.
SOLUTION
The transportation platform partnered with eCapital to embed invoice-based funding directly into its user dashboard. Through secure API integration, users could access capital based on freight billing data and delivery history—without leaving the platform. With pre-qualified offers, minimal paperwork, and same-day funding, carriers could keep trucks moving and business growing.
Adding embedded financing to an existing SaaS platform
OVERVIEW
To enhance its value proposition, a SaaS platform serving small and mid-sized businesses added embedded financing—offering users direct access to working capital from within the software they already use to manage operations. The goal was to support business growth, bridge cash flow gaps, and drive deeper user engagement without building a lending infrastructure.
CHALLENGE
Many users struggled to secure timely funding through traditional banks due to limited credit history, slow approval processes, or unpredictable revenue cycles. As their businesses scaled, they needed capital for inventory, marketing, payroll, or expansion—but often lacked fast, flexible financing options that fit their operational rhythm.
SOLUTION
The SaaS platform partnered with eCapital to integrate embedded lending into its interface. Using secure API connections, the platform offered funding based on users’ real-time activity, subscription performance, and revenue trends. With pre-qualified offers and fast approvals, users could access working capital within hours—without ever leaving the software environment they rely on daily.
LETS TALK
See if embedded lending is right for your business.
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Frequently asked questions
about embedded lending
What is embedded lending?
Embedded lending is the integration of financing capabilities directly within a non-financial platform—such as a SaaS product, eCommerce site, or marketplace—allowing users to access business loans or working capital without leaving the platform they already use.
How does embedded lending work?
A fintech provider integrates with your platform through APIs or a custom interface. Users can apply for financing, get approved, and manage repayments—all within your platform’s environment, creating a seamless, branded experience.
What's the difference between embedded lending and embedded finance?
Embedded finance is the broader concept of integrating financial services—like payments, lending, insurance, or investment products—directly into non-financial platforms. It allows businesses to offer financial tools within their native environments, eliminating the need for users to leave the platform to access services.
Embedded lending is a subset of embedded finance. It specifically refers to the integration of credit or loan products (e.g., B2B BNPL, working capital loans, or invoice financing) into digital platforms like SaaS tools, marketplaces, or mobile apps.
Who benefits from embedded lending?
Both the platform and its users benefit. Platform providers can offer added value, increase engagement, and create new revenue streams, while users gain fast, convenient access to working capital without lengthy bank processes.
What types of financing can be embedded?
Common products include invoice financing, working capital loans, merchant cash advances, buy now/pay later (B2B), and supply chain finance—all tailored to the platform’s user base and transaction data.
Is embedded lending secure?
Yes. Reputable embedded finance providers use secure APIs, encrypted data transfer, and compliance with financial regulations to ensure the safety of user information and transactions.
How does a platform integrate embedded lending?
Integration typically involves connecting via APIs or SDKs. Some fintech lenders offer white-labeled portals or widgets that can be easily embedded and customized within your platform.
How is eligibility determined for embedded lending?
Financing eligibility is often based on real-time transactional data, such as sales volume, payment history, or revenue performance—making it faster and more inclusive than traditional credit assessments.