Lendflow is an embedded lending infrastructure platform that enables software companies to seamlessly integrate lending services into their products. By providing the technology for embedded finance, Lendflow allows businesses to offer access to capital directly within their own platforms, enhancing customer engagement, improving retention, and increasing revenue per user.
Lendflow’s core service focuses on removing the barriers for non-financial brands to offer lending solutions. Their platform helps clients embed loan origination, underwriting, and funding capabilities, so end users can secure financing without leaving the native software experience. This model is part of a broader fintech trend where financial services, such as payments and lending, are woven into business workflows, creating a more streamlined and personalized user experience.
What technology enables Lendflow's embedded lending?
Lendflow leverages modern API-based infrastructure and partnerships with lenders to make lending integration simple for software companies. The platform provides:
- Tools for integrating lending at various touchpoints in a product or workflow
- Automated credit decisioning and underwriting
- Compliance management and embedded KYC/AML checks
- Dashboards for tracking loan performance and customer engagement
This infrastructure allows clients to launch lending products quickly without building complex financial systems from scratch.
Who uses Lendflow?
Lendflow primarily serves B2B software platforms, marketplaces, and vertical SaaS companies. These clients use Lendflow to provide financing to their own business customers—helping them access working capital, fund growth, or manage cash flow. By embedding lending directly into their platforms, Lendflow’s customers can offer a more comprehensive service to their users and unlock new revenue streams.
Who are Lendflow's competitors?
Lendflow operates within the growing embedded finance and B2B lending sector. Key competitors and adjacent platforms include:
- Balance – Focuses on embedded B2B payments and trade credit solutions for business platforms.
- Jifiti – Offers B2B embedded lending tools for banks, lenders, and merchants.
- Galileo – Provides embedded finance APIs, including lending and payments infrastructure.
- Defacto – Enables businesses to offer loans and financing without building proprietary infrastructure.
- Plaid – Broad embedded finance capabilities, including lending, payments, and banking integration.
- ResolvePay – Specializes in embedded B2B payments and net terms solutions.
- SAP Fioneer – Provides embedded finance technology for the B2B sector, including lending and payments.
Each competitor varies in their focus and technology stack, but all contribute to the evolving embedded finance space, with Lendflow distinguishing itself by targeting software providers seeking to add lending capabilities as a core feature set.
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