#embedded-finance

#embedded-finance

Not all bridges are made of steel and concrete. In finance, many exist out of sight - invisible rails of code, APIs, and data flows connecting borrowers to lenders. While many in the crowded embedded finance space straddle the line between partner and competitor, Lendflow has staked out a different identity as a neutral bridge in the credit infrastructure stack.

Prashant: Fundbox is a capital platform for small businesses, and what that means is that our mission is to help power the small business economy through capital and financing solutions, and we do this by embedding those financing solutions inside the systems and tools that small business owners already use. And so we partner with leading accounting software platforms, payment providers, invoicing apps, neobanks, banks and marketplaces, and we meet the customer where they are by providing financing inside of the ecosystem that they're already playing in.

The platform's three-pillar approach-Connect (embedded finance network), Intelligence (workflow optimization), and Automate (AI-powered workforce optimization)-has enabled partners to reduce operational resources while achieving faster speed to funding. With over $1 billion worth of offers made annually through their platforms, Lendflow's modular architecture allows partners to use individual components or scale comprehensively, supported by 50+ live AI agents that automate manual lending processes from document extraction to applicant communications.

The transformation from banks as destinations to banks as infrastructure is reshaping the financial landscape as banks embed themselves into existing platforms, providing seamless financial services.

Payroll has emerged with the highest adoption rate at 71% across embedded finance categories, according to Tidemark Capital's Benchmark Report.