Embedded Lending
Embedded lending is the delivery of credit, such as factoring or working-capital finance, inside a non-financial platform's own product, so a business can access funding where it already works rather than going to a separate lender. It is powered by the lender's operations being exposed as APIs.
What Embedded Lending Is
Embedded lending puts a financing option directly inside a platform a business already uses, a marketplace, a freight or invoicing platform, an ERP, so the user can be advanced funds against invoices or sales without leaving that product. The experience belongs to the platform; the credit, underwriting, and servicing belong to a lender working behind the scenes.
How It Works
Embedded lending depends on the lender's operations being programmable. If verification, funding, and reconciliation are exposed as APIs, a partner platform can originate and service deals programmatically rather than handing each case to a person. That is the link to headless factoring: a headless, API-first factoring engine is the foundation that makes embedded factoring practical.
Why It Matters
For a lender, embedded lending is a distribution channel: funding originated where businesses already operate. For a platform, it is a feature that deepens engagement. Both depend on an operational core that can be called by API and can service the resulting volume without adding headcount. Zolvo provides that core through API factoring software, an API-first automation layer for verification, reconciliation, and collections.
Related Terms
Related Solutions
Talk to the team.
Book a call