Embedded lending, a subset of embedded finance - refers to the integration of lending services directly into non-financial platforms—such as e-commerce sites, payment apps, or business software—allowing users to access loans or credit options without leaving the app or website they’re already using.
This approach streamlines the borrowing process by leveraging user data already available on the platform, enabling instant or near-instant loan approvals. Embedded lending can be offered by third-party banks/fintechs integrated into the platform or by the platform itself using its own capital.
If you would like to learn about embedded lending in greater detail, check out the detailed blog here.
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