Top list · Worldwide
Embedded lending startups worldwide
16 embedded lending startups worldwide have raised money in rounds we track. These are the 16 that have raised the most, $385M between them, with the United States the most common home.
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YouLendYouLend is the leading global embedded financing platform for the world’s top e-commerce platforms, tech companies and PSPs.YouLend is the leading global embedded financing platform for the world’s top e-commerce platforms, tech companies and PSPs.
Founded 2015London, United Kingdom$225Mlast round Mar 2026 - 2
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 - 3
finmidfinmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses.finmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses.
Founded 2021Berlin, Germany$24Mlast round Apr 2024 - 4
AltisAltis is a Brazilian company specializing in embedded credit infrastructure.Altis is a Brazilian company specializing in embedded credit infrastructure.
Founded 2023Sao Paulo, Brazil$13Mlast round Dec 2025 - 5
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 - 6
FinMktFinMkt is a financial technology company based in New York City, specializing in embedded lending, point-of-sale financing, and payment solutions.FinMkt is a financial technology company based in New York City, specializing in embedded lending, point-of-sale financing, and payment solutions.
Founded 2014New York, United States$10Mlast round Aug 2019 - 7
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 - 8
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 - 9
KanmonKanmon is a FinTech company founded in 2021, focused on providing embedded lending solutions.Kanmon is a FinTech company founded in 2021, focused on providing embedded lending solutions.
Founded 2021San Francisco, United States$5.0Mlast round Nov 2022 - 10
NikelNikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology.Nikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology.
Founded 2018Jakarta, Singapore$2.5Mlast round Apr 2022 - 11
VayaVaya creates embedded credit APIs for providing credit services.Vaya creates embedded credit APIs for providing credit services.
Founded 2021-$1.5Mlast round May 2025 - 12
IntellendIntellend Technologies Advisors, based in Mumbai, is an embedded lending technology startup founded in May 2025.Intellend Technologies Advisors, based in Mumbai, is an embedded lending technology startup founded in May 2025.
Founded -Mumbai, India$1.2Mlast round Jan 2026 - 13
SoftloansSoftloans is a fintech company based in Vilnius, Lithuania, founded in 2022.Softloans is a fintech company based in Vilnius, Lithuania, founded in 2022.
Founded 2022Vilnius, Lithuania$1.1Mlast round Apr 2024 - 14
FinvervFinverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India.Finverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India.
Founded 2021Gurugram, India$570Klast round Aug 2022 - 15EnvoiEmbedded B2B lending for the 80%
Embedded B2B lending for the 80%
Founded 2024United States$475Klast round Jun 2024 - 16
iFactorThe first European SME Embedded Lending Platform to use Alternative Data for Semantic Credit Scoring, besides a hybrid liquidity sourcing.The first European SME Embedded Lending Platform to use Alternative Data for Semantic Credit Scoring, besides a hybrid liquidity sourcing.
Founded 2016Bucharest, Romania$127Klast round Aug 2022
London, United Kingdom
Berlin, Germany
Sao Paulo, Brazil
Helsinki, Finland
New York, United States
Jakarta, Singapore
Mumbai, India
Vilnius, Lithuania
Bucharest, RomaniaCompanies 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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