Capital - Fuel Your Users' Growth with Tailored Financing
Offer instant access to working capital, revenue-based financing, and credit lines directly from your platform. EmFi's Capital APIs connect you with lending partners, automate risk assessment, and unlock new revenue opportunities — all while improving user liquidity and retention.
Key Benefits at a Glance
Powerful features designed to simplify your workflow and boost results
High-Margin Revenue Sharing
Generate significant revenue from origination fees and a share of the interest income generated by the loans
Flexible Loan Products
Term loans, revolving credit, BNPL, merchant cash advances, equipment financing
Quick Approvals
Deliver near-instant credit decisions and funding, reducing wait times and enhancing user satisfaction
Contextual Offers
Embed financing directly into your user's workflow—e.g., funding a supplier payment, purchasing inventory, or managing invoice gaps
Data-Powered Credit Scoring
Use your customers' transactional and platform data (from EmFi Accounts & Wallets) to generate pre-approved, real-time credit offers
Zero Balance Sheet Exposure
Connect instantly with our vetted network of lending partners, allowing you to offer capital without using your own funds or incurring credit risk
Unified Financial Stack
Capital connects seamlessly with Accounts, Wallets, and Payments to manage disbursements and repayments in real time.
Embedded Lending Made Easy
Integrate credit, advances, or financing into your product with a few API calls — no need for a lending license.
Instant Payouts
Once approved, funds can be sent immediately into user accounts or wallets — enhancing customer experience and loyalty.
Integrate Once, Connect to the Whole Ecosystem
Connect with trusted financial institutions and technology providers to scale your embedded finance offering across markets.
Leverage EmFi’s regulated partner network to ensure compliance and coverage across multiple regions and financial jurisdictions.
EmFi keeps all partner integrations updated, optimized, and compliant — automatically.
Secure by Design, Compliant by Default
Data integrity, regulatory compliance, and user trust — all guaranteed by EmFi's secure infrastructure.
Regular third-party security audits and penetration tests
Fine-grained permissioning for API keys and environments
Audit logging for every verification event
See the Impact: Key Metrics That Matter
FAQ
Do I need a lending license to offer financing?
No. EmFi partners with regulated lenders and capital providers, so you can embed financing capabilities without holding a license yourself.
What types of financing products can I offer?
Working capital loans: Fixed-term business loans ($5K-500K)
Revenue-based financing: Repayment tied to monthly revenue (SaaS, e-commerce)
Invoice financing: Advance payments on outstanding invoices (B2B marketplaces)
Credit lines: Revolving credit for ongoing expenses
BNPL/Installments: Consumer checkout financing
Equipment/Asset financing: For specific purchases
How does underwriting work?
We use a combination of:
Traditional credit bureau data (when available)
Bank account transaction analysis (cash flow underwriting)
Platform data (transaction history, seller ratings, revenue trends)
Alternative data (social, business registry, payment behavior)
Our AI models process this data and return a credit decision in seconds. You can customize approval thresholds and criteria.
How are credit decisions made?
Our API connects to EmFi’s credit engine, which leverages transactional and behavioral data to assess eligibility in real time.
Can repayments be automated?
Yes. Repayments can be deducted automatically from user accounts, card flows, or revenue streams within your platform.
How long does it take to go live?
Most partners integrate and launch their first financing products in under four weeks.
Can I set the interest rates or fees?
The commercial terms are typically defined in partnership. You can configure the revenue-sharing model on origination fees and interest income while our partners ensure the rates are competitive and compliant.
Is this service available internationally?
Availability depends on the lending partners in our network and the local credit regulations. We currently focus on major markets (EU, UK, US) where our Marketplace has established partners.
Let’s Build the Future of Finance Together
Connect, integrate, and deliver seamless financial experiences.
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