What is embedded lending?
Embedded lending is the integration of a credit product into a non-financial platform or product. Instead of sending a user to a third-party lender’s website to apply, your users apply for funding without leaving your platform.
For SME platforms, embedded lending means: a business owner logs into their accounting software, payment platform, or marketplace dashboard, and can apply for a business loan — all within the product they already use.
Why platforms are adding embedded lending
The commercial case is straightforward:
- Revenue: every funded deal generates a revenue share — typically 10%–30% of the broker or arrangement fee
- Retention: users who access financial products through your platform have higher lifetime value and lower churn
- Engagement: funding decisions are high-stakes events that bring users back to your product
- Competitive differentiation: platforms embedded with lending are harder to switch away from than pure SaaS tools
Integration options
There are three main technical approaches to embedding lending:
REST API
The most flexible option. You build the UI using your own components; the Fundably API handles matching, lender panel queries, and application routing.
POST /v1/applications
Authorization: Bearer YOUR_API_KEY
Content-Type: application/json
{
"business_name": "Acme Ltd",
"funding_amount": 75000,
"funding_purpose": "working_capital",
"trading_months": 24,
"monthly_revenue": 25000
}Best for: platforms with engineering resource who want full control over the user experience.
React component
A pre-built, customisable React component that handles the entire application flow. Drop it into your React app; configure branding and lender panel preferences via props.
import { FundablyEmbed } from '@fundably/react';
<FundablyEmbed
partnerKey="YOUR_PARTNER_KEY"
primaryColor="#FF704D"
logoUrl="https://your-brand.com/logo.png"
/>Best for: React/Next.js platforms that want to go live fast without building the application UI from scratch.
iFrame embed
Zero engineering required. Copy a <iframe> snippet into your platform. The entire application experience is hosted and maintained by Fundably, white-labelled with your branding.
Best for: non-technical teams, or platforms testing embedded lending before committing to a deeper integration.
Multi-lender vs single-lender embedding
Many platforms embed a single lender — typically an MCA provider like YouLend or Liberis. This is simple to set up but has a structural problem: a single lender can only fund a fraction of your users.
Multi-lender embedding (matching to 50+ lenders) means:
- Higher approval rates for your users
- More funded deals = more revenue for you
- Better credit products across loan types (not just MCAs)
- Fallback options when one lender declines
See the full comparison: Multi-lender vs single-lender embedded lending
Commercial model
Fundably’s platform programme operates on a pure revenue-share model:
- No setup fees
- No monthly subscription
- Up to 30% revenue share per funded deal
- Commission paid within 14 days of funding completing
There are no minimum volume requirements. Platforms earning under or over a given threshold earn the same rate.
Compliance and regulation
The credit broking activity is handled entirely by Fundably — FCA authorised, NACFB member, ICO registered (ZB024107).
As a platform partner, you do not need your own FCA authorisation for the embedding activity, provided you are not making lending decisions or advising users on specific credit products. Fundably’s compliance team can advise on your specific situation during onboarding.
How to get started
- Book a technical demo with the Fundably platform team — they will walk you through the right integration option for your tech stack
- Choose your integration method (iFrame is typically fastest to go live — under 48 hours)
- Configure your branding, lender panel preferences, and revenue share
- Go live and start earning on every funded user