# Top 16 Embedded Lending Startups Worldwide by Funding (2026)

> The 16 best-funded embedded lending startups worldwide, ranked by total funding raised: $385M combined.

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

- 1 [**YouLend** YouLend is the leading global embedded financing platform for the world’s top e-commerce platforms, tech companies and PSPs.](https://millionrounds.com/company/youlend) YouLend is the leading global embedded financing platform for the world’s top e-commerce platforms, tech companies and PSPs. *Founded* 2015 London, United Kingdom **$225M** last round Mar 2026
- 2 [**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
- 3 [**finmid** finmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses.](https://millionrounds.com/company/finmid) finmid is a Berlin-based company that provides embedded lending infrastructure for software platforms, marketplaces, and vertical SaaS businesses. *Founded* 2021 Berlin, Germany **$24M** last round Apr 2024
- 4 [**Altis** Altis is a Brazilian company specializing in embedded credit infrastructure.](https://millionrounds.com/company/altis) Altis is a Brazilian company specializing in embedded credit infrastructure. *Founded* 2023 Sao Paulo, Brazil **$13M** last round Dec 2025
- 5 [**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
- 6 [**FinMkt** FinMkt is a financial technology company based in New York City, specializing in embedded lending, point-of-sale financing, and payment solutions.](https://millionrounds.com/company/finmkt) FinMkt is a financial technology company based in New York City, specializing in embedded lending, point-of-sale financing, and payment solutions. *Founded* 2014 New York, United States **$10M** last round Aug 2019
- 7 [**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
- 8 [**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
- 9 [**Kanmon** Kanmon is a FinTech company founded in 2021, focused on providing embedded lending solutions.](https://millionrounds.com/company/kanmon) Kanmon is a FinTech company founded in 2021, focused on providing embedded lending solutions. *Founded* 2021 San Francisco, United States **$5.0M** last round Nov 2022
- 10 [**Nikel** Nikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology.](https://millionrounds.com/company/nikel) Nikel, formerly known as Impact Credit Solutions, is a fintech company based in Singapore that specializes in embedded lending technology. *Founded* 2018 Jakarta, Singapore **$2.5M** last round Apr 2022
- 11 [**Vaya** Vaya creates embedded credit APIs for providing credit services.](https://millionrounds.com/company/vaya) Vaya creates embedded credit APIs for providing credit services. *Founded* 2021 - **$1.5M** last round May 2025
- 12 [**Intellend** Intellend Technologies Advisors, based in Mumbai, is an embedded lending technology startup founded in May 2025.](https://millionrounds.com/company/intellend) Intellend Technologies Advisors, based in Mumbai, is an embedded lending technology startup founded in May 2025. *Founded* - Mumbai, India **$1.2M** last round Jan 2026
- 13 [**Softloans** Softloans is a fintech company based in Vilnius, Lithuania, founded in 2022.](https://millionrounds.com/company/softloans) Softloans is a fintech company based in Vilnius, Lithuania, founded in 2022. *Founded* 2022 Vilnius, Lithuania **$1.1M** last round Apr 2024
- 14 [**Finverv** Finverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India.](https://millionrounds.com/company/finverv) Finverv is a SaaS-enabled lending infrastructure platform based in Gurugram, Haryana, India. *Founded* 2021 Gurugram, India **$570K** last round Aug 2022
- 15 [**Envoi** Embedded B2B lending for the 80%](https://millionrounds.com/company/envoi) Embedded B2B lending for the 80% *Founded* 2024 United States **$475K** last round Jun 2024
- 16 [**iFactor** The first European SME Embedded Lending Platform to use Alternative Data for Semantic Credit Scoring, besides a hybrid liquidity sourcing.](https://millionrounds.com/company/ifactor) The first European SME Embedded Lending Platform to use Alternative Data for Semantic Credit Scoring, besides a hybrid liquidity sourcing. *Founded* 2016 Bucharest, Romania **$127K** last round Aug 2022

**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?

Open any company for its rounds and investors, or search the investors who back embedded lending startups worldwide in the app, with filters, lists and exports.

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## More lists worldwide

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

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