# Top 32 Embedded Finance Startups Worldwide by Funding (2026)

> The 32 best-funded embedded finance startups worldwide, ranked by total funding raised: $1.2B combined.

Source: https://millionrounds.com/top-lists/embedded-finance-startups (Millionrounds; every figure on the page links to its filing or article)

- 1 [**Sonovate** Sonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions for](https://millionrounds.com/company/sonovate) Sonovate is a fintech company based in Cardiff, Wales, that specializes in providing embedded finance, invoice funding, and back-office technology solutions for *Founded* 2013 Cardiff, United Kingdom **$350M** last round Jul 2022
- 2 [**Parafin** Growing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transact](https://millionrounds.com/company/parafin) Growing small businesses through embedded financial services enabled on the very platforms on which SMBs sell & transact *Founded* 2020 San Francisco, United States **$100M** last round May 2026
- 3 [**Sipay** Sipay is a Turkish fintech and payment-services company that offers a comprehensive financial platform for both businesses and consumers.](https://millionrounds.com/company/sipay) Sipay is a Turkish fintech and payment-services company that offers a comprehensive financial platform for both businesses and consumers. *Founded* 2018 Uskuedar, Türkiye **$93M** last round Apr 2025
- 4 [**Tarabut** MENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via API.](https://millionrounds.com/company/tarabut) MENA’s first and largest regulated Open Banking platform (AISP & PISP) that connects a regional network of banks and FinTechs via API. *Founded* 2018 Bahrain **$82M** last round Sept 2026
- 5 [**SAPI** Our embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients.](https://millionrounds.com/company/sapi) Our embedded finance loan-product-as-a-service enable payment companies and platforms to offer SME loan products to their business clients. *Founded* 2020 London, United Kingdom **$74M** last round Nov 2025
- 6 [**CredibleX** Empowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SM](https://millionrounds.com/company/crediblex) Empowering SME Growth Through Embedded Financing and Business Solutions CredibleX is a UAE-based embedded finance lender enabling ecosystem partners to offer SM *Founded* 2023 Abu Dhabi, United Arab Emirates **$55M** last round Dec 2024
- 7 [**Param** Param is a financial technology company that provides customizable embedded finance solutions for businesses and individuals.](https://millionrounds.com/company/param) Param is a financial technology company that provides customizable embedded finance solutions for businesses and individuals. *Founded* 2013 �stanbul, Türkiye **$52M** last round Jun 2022
- 8 [**Playter** Playter is transforming credit in Embedded Finance, but helping any SME split their invoice payables over 3, 6, 9 or 12 monthly instalments.](https://millionrounds.com/company/playter) Playter is transforming credit in Embedded Finance, but helping any SME split their invoice payables over 3, 6, 9 or 12 monthly instalments. *Founded* 2021 London, United Kingdom **$50M** last round Jun 2022
- 9 [**Synctera** Synctera is a Banking-as-a-Service (BaaS) and embedded finance platform founded in 2020, headquartered in Palo Alto, California, with additional locations in Sa](https://millionrounds.com/company/synctera) Synctera 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* 2020 San Francisco, United States **$40M** last round Nov 2026
- 10 [**UY3** UY3 is a Brazilian fintech established in 2021, specializing in Credit-as-a-Service (CaaS).](https://millionrounds.com/company/uy3) UY3 is a Brazilian fintech established in 2021, specializing in Credit-as-a-Service (CaaS). *Founded* - Porto Alegre, Brazil **$37M** last round Jan 2026
- 11 [**Powens** Powens is a platform that integrates Open Finance and Embedded Banking for businesses.](https://millionrounds.com/company/powens) Powens is a platform that integrates Open Finance and Embedded Banking for businesses. *Founded* - Paris, France **$34M** last round Apr 2022
- 12 [**Central Payments** Central Payments is a financial technology company based in Sioux Falls, South Dakota, founded in 2014.](https://millionrounds.com/company/central-payments) Central Payments is a financial technology company based in Sioux Falls, South Dakota, founded in 2014. *Founded* 2014 Sioux Falls, United States **$30M** last round Aug 2022
- 13 [**OatFi** OatFi provides the end-to-end infrastructure for B2B payment platforms to launch embedded working capital tools.](https://millionrounds.com/company/oatfi) OatFi provides the end-to-end infrastructure for B2B payment platforms to launch embedded working capital tools. *Founded* 2021 New York, United States **$24M** last round Jun 2025
- 14 [**Shaype** Shaype is a global financial technology company that specializes in embedded finance and wholesale financial microservices.](https://millionrounds.com/company/shaype) Shaype is a global financial technology company that specializes in embedded finance and wholesale financial microservices. *Founded* 2020 Sydney, Australia **$21M** last round Sept 2022
- 15 [**Muse Finance** Muse Finance providing working capital for SMEs through embedded finance and white-label, no-code solutions for B2B servicers.](https://millionrounds.com/company/muse-finance) Muse Finance providing working capital for SMEs through embedded finance and white-label, no-code solutions for B2B servicers. *Founded* 2018 London, United Kingdom **$20M** last round Aug 2022
- 16 [**Infinant** Infinant is a fintech company based in Charlotte, North Carolina, founded in 2021.](https://millionrounds.com/company/infinant) Infinant is a fintech company based in Charlotte, North Carolina, founded in 2021. *Founded* 2021 Charlotte, United States **$15M** last round Dec 2024
- 17 [**❜embed** Embedded Finance for Stellar Business Growth.](https://millionrounds.com/company/embed) Embedded Finance for Stellar Business Growth. *Founded* 2021 Singapore, Singapore **$14M** last round Nov 2024
- 18 [**CrediNord** The embedded finance platform turning Europe's POS networks into SME lending channels](https://millionrounds.com/company/credinord) The embedded finance platform turning Europe's POS networks into SME lending channels *Founded* 2019 Helsinki, Finland **$12M** last round Jun 2026
- 19 [**JustiFi** JustiFi offers Embedded Finance Infrastructure for platforms that enables embedded payments, insurance, lending and more.](https://millionrounds.com/company/justifi) JustiFi offers Embedded Finance Infrastructure for platforms that enables embedded payments, insurance, lending and more. *Founded* 2021 Saint Paul, United States **$10M** last round May 2024
- 20 [**Acorn Finance** Acorn Finance is a financial technology company based in Sacramento, California, founded in 2017.](https://millionrounds.com/company/acorn-finance) Acorn Finance is a financial technology company based in Sacramento, California, founded in 2017. *Founded* 2017 Sacramento, United States **$5.0M** last round Jan 2024
- 21 [**Send Payments** Send Payments is an Australian fintech company that specializes in embedded finance and cross-border international payment solutions.](https://millionrounds.com/company/send-payments) Send Payments is an Australian fintech company that specializes in embedded finance and cross-border international payment solutions. *Founded* 2019 Sydney, Australia **$5.0M** last round Aug 2025
- 22 [**Linker Finance** Linker Finance is a Pasadena, California-based fintech company that offers a modular, white-label digital banking platform designed for community banks, credit](https://millionrounds.com/company/linker-finance) Linker Finance is a Pasadena, California-based fintech company that offers a modular, white-label digital banking platform designed for community banks, credit *Founded* 2023 Pasadena, United States **$5.0M** last round Jul 2026
- 23 [**upSWOT** upSWOT is a white-label embedded finance tech for banks/FIs powered by 100 API-enabled apps](https://millionrounds.com/company/upswot) upSWOT is a white-label embedded finance tech for banks/FIs powered by 100 API-enabled apps *Founded* 2019 Fort Mill **$4.3M** last round Mar 2021
- 24 [**TradeDepot** TradeDepot is a B2B e-commerce and embedded finance platform that offers a broad range of consumer goods to SME retailers.](https://millionrounds.com/company/tradedepot) TradeDepot is a B2B e-commerce and embedded finance platform that offers a broad range of consumer goods to SME retailers. *Founded* 2016 Lagos **$4.0M** last round Feb 2023
- 25 [**NoFrixion** NoFrixion is an Irish embedded finance fintech founded in 2020, headquartered in Dublin.](https://millionrounds.com/company/nofrixion) NoFrixion is an Irish embedded finance fintech founded in 2020, headquartered in Dublin. *Founded* 2020 Dublin, Ireland **$3.5M** last round Oct 2022
- 26 [**StitcherAI** StitcherAI Inc.](https://millionrounds.com/company/stitcherai) StitcherAI Inc. *Founded* 2025 Redmond, United States **$3.0M** last round May 2026
- 27 [**AAZZUR** AAZZUR is a fintech orchestration platform based in Berlin, founded in 2017.](https://millionrounds.com/company/aazzur) AAZZUR is a fintech orchestration platform based in Berlin, founded in 2017. *Founded* 2017 Berlin, Germany **$2.7M** last round Jan 2026
- 28 [**Buildd** Buildd is a Pune-based embedded finance and Banking-as-a-Service platform operated by Quantastart Technologies Private Limited.](https://millionrounds.com/company/buildd) Buildd is a Pune-based embedded finance and Banking-as-a-Service platform operated by Quantastart Technologies Private Limited. *Founded* 2020 Pune, India **$2.0M** last round May 2022
- 29 [**Kredmint** Kredmint is a leading embedded supply chain finance platform based in India.](https://millionrounds.com/company/kredmint) Kredmint is a leading embedded supply chain finance platform based in India. *Founded* 2022 Noida, India **$2.0M** last round Dec 2022
- 30 [**INVOICENXT** Enterprise SaaS platform with embedded supplier finance.](https://millionrounds.com/company/invoicenxt) Enterprise SaaS platform with embedded supplier finance. *Founded* 2020 Singapore, Singapore **$1.3M** last round Dec 2022
- 31 [**Momntum** Momntum is a fintech company that provides embedded point-of-sale consumer financing.](https://millionrounds.com/company/momntum) Momntum is a fintech company that provides embedded point-of-sale consumer financing. *Founded* 2025 Dún Laoghaire, Ireland **$1.1M** last round Jun 2025
- 32 [**Kernolab** Kernolab is a Lithuanian fintech startup founded in 2019 and based in Vilnius.](https://millionrounds.com/company/kernolab) Kernolab is a Lithuanian fintech startup founded in 2019 and based in Vilnius. *Founded* 2019 Vilnius, Lithuania **$1.0M** last round Sept 2021

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose own description names this theme, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

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## More lists worldwide

[See all](https://millionrounds.com/top-lists?r=Global)

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