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Best path
Embedded capital / lending
Capital fits when users need working capital and you have useful underwriting data.
Merchant cash advances, revenue-based financing, invoice factoring, and credit lines only work if the platform has transaction or invoice data lenders can trust.
Architecture: Fastest launch path: Native processor capital, white-label capital partner, B2B invoice finance, or lender orchestration.
The 3 proposal targets
1. Processor-native capital
Fastest route if payment data already lives with one processor.
2. White-label capital partner
Better brand/control when transaction history is strong.
3. Lender orchestration network
Useful when you need multiple underwriting paths.
Why this fits
- •Merchants with repeat sales
- •B2B sellers with invoices
- •Platforms with strong transaction history
Catches
- •Credit offers are not guaranteed
- •Losses and disclosures shape economics
- •Bad capital UX can damage merchant trust
Reality check
Free RFP shortcut
Want us to turn this into 3 matched provider proposals for embedded capital / lending? We’ll route it so you don’t have to brief dozens of vendors.