Add lending and payments to your software.
Your customers already run their business inside your product. We help you launch the financing and payments they use there: the credit, the capital, the compliance and the software, built by people who have done it.
embedded business lending: white-labeled working capital programs platforms launch under their own brand
EveryStreet, an embedded invoicing and payments platform with financing at checkout, acquired by Fundwell in August 2025
small business lending launched at Lending Club, with partners including Google and Alibaba
Embedded finance is a lending business, built into your product.
The software is the visible part. Underneath it you need credit policy, funding, compliance and servicing, and each has to work before your customers see a first offer.
- Underwriting rules and risk framework
- Decisioning and data sources
- Pricing and product design
- Portfolio monitoring
- Capital stack design
- Forward-flow and warehouse readiness
- Funder and investor conversations
- Investor reporting
- Program structure, chosen with your counsel
- State licensing where it applies
- Compliance matrices and written policies
- Disclosures and adverse action
- Origination and loan management systems
- Partner and merchant portals
- Checkout and payments flows
- White-label under your brand
- Customer service and payment operations
- Collections and default playbooks
- Vendor selection
- Quality control
- Loan-level data pipelines
- Funder and investor reporting
- Partner dashboards
- Securitization readiness
Model it. Build it. Launch it.
We take the program from a first sizing to live loans, with one team on credit, capital, compliance and software.
We size what your customers would use, choose the program structure with your counsel, and map the capital and compliance it needs.
You get a recommended program, a build plan and the decisions you need to make.
Credit policy, systems, funding and compliance built together, under your brand.
You get a program ready to launch: policy, software, funding and operations.
We help run it through the first months and train the team that takes over.
You get a live product, monitoring, and a team that can run it.
We have built it before.
NextRaise is not a law firm. Program structure and compliance decisions are made with your own counsel.
What people ask first.
Not necessarily. The right structure depends on your customers, your states and who funds the loans. We map the options with your counsel before anything is built.
What would your customers finance?
Describe your product and your customers, and we will say what it would take to add financing or payments.
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