Lending

Scale your business with a modular embedded lending platform

Empower your platform with a tailored embedded lending platform that allows you to provide immediate access to financing solutions directly within your interface. Manage the full lending lifecycle—from onboarding to repayment collection—while we handle the backend banking and compliance.

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Scale your business with a modular embedded lending platform

Supercharge your lending business with embedded finance

ENHANCE CUSTOMER EXPERIENCE: offer seamless, personalized lending journeys directly within your platform

BOOST SCALABILITY: expand into new markets with multi-currency capabilities and localized solutions

SIMPLIFY OPERATIONS: manage compliance, payments, and integrations effortlessly through a single API

GAIN A COMPETITIVE EDGE: deliver innovative financial solutions that keep borrowers coming back

How embedded lending works within your ecosystem

How embedded lending works is through a structured, three-way collaboration between your platform, a lending infrastructure partner like ConnectPay, and the end borrower.

Seamless integration: Our embedded lending solutions are integrated into your platform via APIs, allowing for accurate data synchronization.
Point of need application: Lending options are presented to the user during a relevant process, such as a freelancer managing income gaps or a retailer financing inventory.
Automated underwriting: Your platform shares performance data with the infrastructure partner to support seamless underwriting and offer generation.
Instant disbursement: Once approved, funds are disbursed immediately into the user’s account, facilitating a smooth and trusted journey.

Enable your business growth with accounts

Access scalable and compliant accounts for your business with ease – designed to meet your specific needs and ensure efficient, secure financial management

Business accounts

Open a LT IBAN account with multicurrency support

Send & receive cross-border payments in AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD

Top up by card or ApplePay

Access your accounts in the way that suits you best – with our online banking platform or API

Personal accounts

Open a LT IBAN account with multicurrency support

Send & receive cross-border payments in AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD

Top up by card or ApplePay

Access your accounts in the way that suits you best – with our online banking platform or API

Modular embedded lending platform for diverse industries

An embedded lending platform is a versatile foundation that can be adapted to various business models.

E-commerce and retail financing

Integrate instant loans into retail platforms, allowing customers to finance large purchases upfront and pay over time, which significantly reduces cart abandonment.

Payouts for freelancers and ride-sharing

Online marketplaces can provide short-term loans based on expected earnings, helping independent contractors manage cash flow gaps.

White label embedded lending for fintechs

Establish your own branded lending service using our white label embedded lending architecture. Issue virtual or physical VISA cards and manage multi-currency IBAN accounts under our regulated EMI license.

Compliance and onboarding via APIs

As a licensed financial institution, we take care of all our solutions related compliance matters. We’ll cover KYC procedures, AML/CTF monitoring, and reporting to authorities, meaning you don’t need to hire an AML compliance team of your own to embed our solutions.

Accept payments your way

Streamline payment processing for your clients effortlessly through our comprehensive solution, combining card acquiring and seamless payment initiation services

Card Acquiring

Allow customers to pay with Mastercard & Visa debit and credit cards

Easily issue refunds, no matter the amount

Offer customers recurring payments & subscriptions

Payment Initiation Service

Receive payments directly to your IBAN account

Process orders without delay

Collect EUR payments from customer bank accounts in DE, NL, and LT

Reconcile payments automatically and effortlessly

Create customized payment experiences with our Payment Gateway API

Send payments globally

Effortlessly send payments to borrowers and lenders worldwide, expanding your financial reach and facilitating seamless transactions across borders

Instant Euro-zone transfer

Send & receive payments in EUR with direct SEPA / SEPA Instant transfers. Avoid needless layers of complexity.

Cross-border transfers

Send & receive funds all over the world with SWIFT payments in 80+ currencies: AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, USD, and more.

Fastest Route

We work with trusted partners and use a unique algorithm to channel your SWIFT payments using the fastest route possible.

Real Time Status

Get your verticals run faster – keep track of all of your payments in real time.

Time Saving

Cut costs and save time utilising multiple ways to send funds with us – single payments, bulk file uploads or via APIs.

Unlock the potential of invisible finance

Choose embedded finance with built-in compliance solution modules based on your business needs

Issue IBANs with LT prefix

Enable business, personal and segregated accounts for smooth transactions.

Execute payments

Initiate and complete financial transactions securely and efficiently.

Execute currency exchange

Perform foreign exchange transactions for 80+ currencies.

Issue and manage VISA cards

Business, personal, white-label and virtual VISA debit cards.

Handle inter-bank queries

Manage and resolve inquiries between different banks or financial institutions.

Top-up accounts

Conveniently add funds to user accounts for seamless transactions.

Fees collection

Collect and process various fees associated with transactions or services.

Refund end-users

Process and issue refunds to individual users or customers.

Inter-ledger transfers

Facilitate transfers between different ledgers or your own ecosystem.

KYC / Onboarding

Conducting KYC checks and streamlining customer onboarding processes.

AML / CTF monitoring

Monitoring and detecting AML and CTF activities.

Reporting to authorities

Submitting regulatory reports and compliance data to relevant authorities.

Flexible APIs integration

Each use-case is different, that’s why we have built our APIs in a way that can be tailored to your business model. As long as it entails opening an IBAN account for a client and making payments, we got you covered. Find out more about our flexible APIs.

More about APIs

7.5 B €

Yearly Payment Turnover

1.8M

Processed transactions in 2024

92M €

Client funds held by ConnectPay

Embedded lending platform FAQs

What is an embedded lending platform?

An embedded lending platform is a digital infrastructure that allows non-bank businesses to integrate credit and loan products directly into their own applications or websites via APIs.

How does embedded lending benefit small businesses?

It allows small businesses to access financing quickly and easily through the platforms they already use for daily operations, such as e-commerce or accounting tools, rather than going through traditional, slow-moving banks.

Is white label embedded lending secure?

Yes. White label embedded lending solutions from ConnectPay utilize bank-level encryption, multi-factor authentication, and automated compliance tools to ensure that all data and transactions are protected.

What are common use cases for embedded lending?

Common examples include Buy Now, Pay Later (BNPL) at retail checkouts, student loans within educational registration portals, and short-term working capital loans for marketplace sellers.

How do businesses make money with an embedded lending platform?

Platforms can monetize embedded lending through revenue-sharing models with the infrastructure provider, as well as through payment processing fees and interest margin distributions.

Do I need my own banking license to offer loans?

No. By partnering with a licensed embedded lending provider, you can “rent” their regulatory framework and license, allowing you to offer regulated financial products under your own brand.