How to Embed Lending in Your Platform (UK Guide)

How do I add lending to my platform?

You can embed lending into your platform in as little as 48 hours using an iFrame, or build a deeper integration with a Web Component or REST API. Your users apply for business funding without leaving your product, and you earn up to 30% revenue share on every funded deal. Platforms already integrating multi-lender lending include accounting software, fintech dashboards and SaaS payroll tools. The model works wherever small business owners manage their finances.

Fundably handles the lender panel (50+ lenders including iwoca, Funding Circle, YouLend, Outfund and Capify), FCA compliance and the matching engine. Your platform provides the distribution and the user experience.

Why are platforms adding embedded lending?

The commercial case is straightforward:

1. Revenue: every funded deal generates a revenue share, up to 30% of the broker or arrangement fee
2. Retention: users who access financial products through your platform have higher lifetime value and lower churn
3. Engagement: funding decisions are high-stakes events that bring users back to your product
4. 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.

Web Component

A pre-built, customisable Web Component that handles the entire application flow. Drop it into your React or Next.js 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. 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

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 as a commercial finance broker and full NACFB member.

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. Commercial credit broking to UK Limited companies sits outside FCA regulated activity. Fundably’s compliance team can advise on your specific situation during onboarding. For more detail on the regulatory position, see our guide on referring business loans without FCA authorisation.

How to get started

1. Book a technical demo with the Fundably platform team. They will walk you through the right integration option for your tech stack.
2. Choose your integration method (iFrame is typically fastest to go live, under 48 hours)
3. Configure your branding, lender panel preferences and revenue share
4. Go live and start earning on every funded user

For a broader introduction to the model, see our guide on what is embedded lending.

Frequently asked questions

Do I need FCA authorisation to embed lending in my platform?

No, provided you are not making lending decisions or advising users on specific credit products. Fundably, as a commercial finance broker and NACFB member, handles the regulated credit broking activity, and commercial credit broking to UK Limited companies sits outside FCA regulated activity in any case. As a platform partner you act as a distributor. Fundably's compliance team will advise on your specific situation during onboarding.

Which integration method is fastest to go live?

The iFrame integration is fastest, typically under 48 hours. It requires no engineering work. You copy a snippet into your platform, configure branding, and Fundably hosts the entire application experience. The REST API gives more control but requires engineering resource and takes longer to build.

How much revenue can a platform earn from embedded lending?

Platforms earn up to 30% revenue share per funded deal. On an average SME loan generating a £1,500 broker fee, that is £450 per funded user. Platforms with large SME user bases (for example, accounting software with 5,000 business users) can generate six-figure annual revenue from embedded lending.

What if my users are declined by one lender?

With a multi-lender model, a single decline does not mean no funding. Fundably matches each application across 50+ lenders with different risk appetites and product types. Lenders like Capify, Bizcap and Outfund have appetite for early-stage or lower-revenue businesses that mainstream lenders decline.