Embedded Finance Programmes
White-label lending built into your customer journey.
Stand up a lending programme inside your own product — we orchestrate the funding partner, BaaS rails, KYC and compliance.
Ticket size
£500K – £100M facility
Turnaround
Live in 90 days
Capital partners
8+
Composes with
3 sectors
Key highlights
What sets this apart.
White-label
BaaS-rail integrated
Revenue-share economics
The problem
Why this capability exists.
Platforms leave millions in fee revenue on the table by sending customers off-platform for finance.
Our approach
- 01
Design the credit product against your customer cohort economics.
- 02
Match to a funding partner with the right risk and revenue appetite.
- 03
Integrate via BaaS rails with KYC, AML and compliance handled.
Outcomes you can expect
- Median 90-day go-live
- 8 embedded-finance funders
- Average uplift: 14% of platform GMV financed
Typical structures
How embedded finance programmes deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Hire Purchase / Lease
Asset-secured, balance-sheet or off-balance-sheet treatments.
Invoice Finance
Confidential or disclosed; advance rates 80–90% of debtor book.
Revenue-Based Finance
Repayments flex with monthly revenue — ARR or e-commerce backed.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- down
Alt-fintech lender · Revenue-based finance
Second consecutive quarter of arrears uptick in casual dining cohort.
Pulled appetite for hospitality
- flat
Two clearing banks · Working capital RCF
Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.
Margins held; covenants softened
- up
Independent funder · Soft asset finance (tech)
Re-focusing on mid-ticket; sub-£25k routed to platform partners.
Min ticket lifted to £25k (was £10k)
Who this fits
Audience fit, scored from the brief.
Brokers & intermediaries
100%
Lender intel, criteria shifts, packaging playbooks.
Property developers & investors
0%
Bridging, development finance, BTL portfolios, refurb-to-let.
SME founders & CFOs
0%
Working capital, growth funding, asset finance, invoice finance.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Business Loans
Unsecured & secured term loans from £25K – £10M.
Working Capital Lines
Revolving credit, overdrafts and seasonality lines.
Invoice & Receivables Finance
Disclosed, confidential and selective invoice discounting.
Business Development Loans
Unsecured growth capital for hiring, marketing and expansion.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the business UK-incorporated and actively trading?
- Are annual revenues £500K+ (or £100K+ MRR for SaaS)?
- 12+ months of trading history?
- Profitable, near-profitable, or strong gross margins?
- No material adverse credit on the directors?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£16k
Total interest
£77k
Arrangement fee
£7.5k
Effective APR
10.00%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Clearing Bank Term DeskTier 1
Term loan / RCF
Indic. SONIA +2.5%
- Challenger Bank GSpecialist
Asset-based / Invoice
Indic. SONIA +3.5%
- Growth Debt Fund HAlt
Venture / Growth debt
Indic. 10–14% pa
- Tax-Loan Specialist ISpecialist
VAT / Corp Tax
Indic. 0.85%/mo
- Acquisition Lender JAlt
Senior + Mezz
Indic. 9.5% blended
- Embedded Capital KAlt
Revenue-based
Indic. 5–9% factor
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Last 2 years filed accounts
- Latest 6 months bank statements
- Latest management accounts + cashflow forecast
- Director ID + proof of address
- Aged debtors / creditors (if invoice / ABL)
- VAT returns (last 4 quarters)
- Personal guarantees & PAL (if requested)
- Use-of-funds memo
FAQs
Frequently asked
The questions clients always ask.
Most lenders will request a director PG, often capped to a portion of the facility. Some asset-backed structures can be PG-light.
Working capital lines: 3–7 days. Term loans: 2–4 weeks. Acquisition / structured deals: 6–10 weeks subject to legals.
Pure pre-revenue is rare; we have growth-debt partners that lend against ARR / contracted revenue from £100K MRR.
Brokerage is paid by the lender on drawdown for most facilities. For acquisition / structured-debt mandates, we agree a fee in advance.
Short enquiry
Tell us about your embedded finance programmes requirement.
A specialist will respond within one business hour. No credit footprint.