Top list · Worldwide
Embedded finance startups worldwide
32 embedded finance startups worldwide have raised money in rounds we track. These are the 32 that have raised the most, $1.2B between them, with the United States the most common home.
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SonovateSonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions forSonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions for
Founded 2013Cardiff, United Kingdom$350Mlast round Jul 2022 - 2
ParafinGrowing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transactGrowing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transact
Founded 2020San Francisco, United States$100Mlast round May 2026 - 3
SipaySipay is a Turkish fintech and payment-services company that offers a comprehensive financial platform for both businesses and consumers.Sipay is a Turkish fintech and payment-services company that offers a comprehensive financial platform for both businesses and consumers.
Founded 2018Uskuedar, Türkiye$93Mlast round Apr 2025 - 4
TarabutMENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via API.MENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via API.
Founded 2018Bahrain$82Mlast round Sept 2026 - 5
SAPIOur embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients.Our embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients.
Founded 2020London, United Kingdom$74Mlast round Nov 2025 - 6
CredibleXEmpowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SMEmpowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SM
Founded 2023Abu Dhabi, United Arab Emirates$55Mlast round Dec 2024 - 7
ParamParam is a financial technology company that provides customizable embedded finance solutions for businesses and individuals.Param is a financial technology company that provides customizable embedded finance solutions for businesses and individuals.
Founded 2013�stanbul, Türkiye$52Mlast round Jun 2022 - 8
PlayterPlayter is transforming credit in Embedded Finance, but helping any SME split their invoice payables over 3, 6, 9 or 12 monthly instalments.Playter is transforming credit in Embedded Finance, but helping any SME split their invoice payables over 3, 6, 9 or 12 monthly instalments.
Founded 2021London, United Kingdom$50Mlast round Jun 2022 - 9
SyncteraSynctera is a Banking-as-a-Service (BaaS) and embedded finance platform founded in 2020, headquartered in Palo Alto, California, with additional locations in SaSynctera is a Banking-as-a-Service (BaaS) and embedded finance platform founded in 2020, headquartered in Palo Alto, California, with additional locations in Sa
Founded 2020San Francisco, United States$40Mlast round Nov 2026 - 10
UY3UY3 is a Brazilian fintech established in 2021, specializing in Credit-as-a-Service (CaaS).UY3 is a Brazilian fintech established in 2021, specializing in Credit-as-a-Service (CaaS).
Founded -Porto Alegre, Brazil$37Mlast round Jan 2026 - 11
PowensPowens is a platform that integrates Open Finance and Embedded Banking for businesses.Powens is a platform that integrates Open Finance and Embedded Banking for businesses.
Founded -Paris, France$34Mlast round Apr 2022 - 12
Central PaymentsCentral Payments is a financial technology company based in Sioux Falls, South Dakota, founded in 2014.Central Payments is a financial technology company based in Sioux Falls, South Dakota, founded in 2014.
Founded 2014Sioux Falls, United States$30Mlast round Aug 2022 - 13
OatFiOatFi provides the end-to-end infrastructure for B2B payment platforms to launch embedded working capital tools.OatFi provides the end-to-end infrastructure for B2B payment platforms to launch embedded working capital tools.
Founded 2021New York, United States$24Mlast round Jun 2025 - 14
ShaypeShaype is a global financial technology company that specializes in embedded finance and wholesale financial microservices.Shaype is a global financial technology company that specializes in embedded finance and wholesale financial microservices.
Founded 2020Sydney, Australia$21Mlast round Sept 2022 - 15
Muse FinanceMuse Finance providing working capital for SMEs through embedded finance and white-label, no-code solutions for B2B servicers.Muse Finance providing working capital for SMEs through embedded finance and white-label, no-code solutions for B2B servicers.
Founded 2018London, United Kingdom$20Mlast round Aug 2022 - 16
InfinantInfinant is a fintech company based in Charlotte, North Carolina, founded in 2021.Infinant is a fintech company based in Charlotte, North Carolina, founded in 2021.
Founded 2021Charlotte, United States$15Mlast round Dec 2024 - 17❜embedEmbedded Finance for Stellar Business Growth.
Embedded Finance for Stellar Business Growth.
Founded 2021Singapore, Singapore$14Mlast round Nov 2024 - 18
CrediNordThe embedded finance platform turning Europe's POS networks into SME lending channelsThe embedded finance platform turning Europe's POS networks into SME lending channels
Founded 2019Helsinki, Finland$12Mlast round Jun 2026 - 19
JustiFiJustiFi offers Embedded Finance Infrastructure for platforms that enables embedded payments, insurance, lending and more.JustiFi offers Embedded Finance Infrastructure for platforms that enables embedded payments, insurance, lending and more.
Founded 2021Saint Paul, United States$10Mlast round May 2024 - 20
Acorn FinanceAcorn Finance is a financial technology company based in Sacramento, California, founded in 2017.Acorn Finance is a financial technology company based in Sacramento, California, founded in 2017.
Founded 2017Sacramento, United States$5.0Mlast round Jan 2024 - 21
Send PaymentsSend Payments is an Australian fintech company that specializes in embedded finance and cross-border international payment solutions.Send Payments is an Australian fintech company that specializes in embedded finance and cross-border international payment solutions.
Founded 2019Sydney, Australia$5.0Mlast round Aug 2025 - 22
Linker FinanceLinker Finance is a Pasadena, California-based fintech company that offers a modular, white-label digital banking platform designed for community banks, credit Linker Finance is a Pasadena, California-based fintech company that offers a modular, white-label digital banking platform designed for community banks, credit
Founded 2023Pasadena, United States$5.0Mlast round Jul 2026 - 23
upSWOTupSWOT is a white-label embedded finance tech for banks/FIs powered by 100 API-enabled appsupSWOT is a white-label embedded finance tech for banks/FIs powered by 100 API-enabled apps
Founded 2019Fort Mill$4.3Mlast round Mar 2021 - 24
TradeDepotTradeDepot is a B2B e-commerce and embedded finance platform that offers a broad range of consumer goods to SME retailers.TradeDepot is a B2B e-commerce and embedded finance platform that offers a broad range of consumer goods to SME retailers.
Founded 2016Lagos$4.0Mlast round Feb 2023 - 25
NoFrixionNoFrixion is an Irish embedded finance fintech founded in 2020, headquartered in Dublin.NoFrixion is an Irish embedded finance fintech founded in 2020, headquartered in Dublin.
Founded 2020Dublin, Ireland$3.5Mlast round Oct 2022 - 26
StitcherAIStitcherAI Inc.StitcherAI Inc.
Founded 2025Redmond, United States$3.0Mlast round May 2026 - 27
AAZZURAAZZUR is a fintech orchestration platform based in Berlin, founded in 2017.AAZZUR is a fintech orchestration platform based in Berlin, founded in 2017.
Founded 2017Berlin, Germany$2.7Mlast round Jan 2026 - 28
BuilddBuildd is a Pune-based embedded finance and Banking-as-a-Service platform operated by Quantastart Technologies Private Limited.Buildd is a Pune-based embedded finance and Banking-as-a-Service platform operated by Quantastart Technologies Private Limited.
Founded 2020Pune, India$2.0Mlast round May 2022 - 29
KredmintKredmint is a leading embedded supply chain finance platform based in India.Kredmint is a leading embedded supply chain finance platform based in India.
Founded 2022Noida, India$2.0Mlast round Dec 2022 - 30
INVOICENXTEnterprise SaaS platform with embedded supplier finance.Enterprise SaaS platform with embedded supplier finance.
Founded 2020Singapore, Singapore$1.3Mlast round Dec 2022 - 31
MomntumMomntum is a fintech company that provides embedded point-of-sale consumer financing.Momntum is a fintech company that provides embedded point-of-sale consumer financing.
Founded 2025Dún Laoghaire, Ireland$1.1Mlast round Jun 2025 - 32
KernolabKernolab is a Lithuanian fintech startup founded in 2019 and based in Vilnius.Kernolab is a Lithuanian fintech startup founded in 2019 and based in Vilnius.
Founded 2019Vilnius, Lithuania$1.0Mlast round Sept 2021
Cardiff, United Kingdom
San Francisco, United States
Uskuedar, Türkiye
Bahrain
Abu Dhabi, United Arab Emirates
Porto Alegre, Brazil
Paris, France
Sydney, Australia
Singapore, Singapore
Helsinki, Finland
Dublin, Ireland
Berlin, Germany
Pune, India
Vilnius, LithuaniaCompanies whose own description names this theme, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.
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