Start here
What are you trying to achieve?
Pick the goal that matches where you are. Each path routes to the guide, the tool that runs your numbers, the vendor category, and the answers for that decision.
Monetize payments
You run software that processes (or could process) customer payments, and you want that flow to earn revenue.
- Guide Read the Embedded Payments guide
- Tool Model your take-rate & unit economics
- Directory Shortlist payments vendors
- Answers Get the payments answers
Evaluate lending or financing
You want to know whether embedded lending, BNPL, or capital products fit your customer base — and who provides them.
- Guide Browse the guides
- Tool Run the Fit Assessment
- Directory Shortlist lending & financing vendors
- Answers Get the lending answers
Choose a vendor or model
You know what you want to launch; now you need the right operating model and the right provider — without vendor spin.
Improve adoption & economics
Embedded finance is live but underperforming — attach rates, take rates, or margins are below where they should be.
Explore embedded finance
Payments is the entry point — lending, cards, payroll, and insurance follow. See what the full opportunity looks like for a software platform.
Get personalized advice
Bring your specific decision — model, vendor, or economics — to an advisor who isn't selling software.
- Advisory See the advisory services
Presentations to start with
All presentations →
Embedded Finance 101 - A Strategic Brief for Software Executives
A 37-slide consulting briefing for vertical SaaS founders and operators evaluating embedded finance in 2026. The $690B opportunity sized three ways, the 5-stage maturity framework, case studies (Toast, Shopify, ServiceTitan, Lightspeed, Clio, Bill.com), take-rate benchmarks by vertical, and the 8-point C-suite checklist.
Toast: The $6 Billion Embedded Finance Masterclass
Toast's strategic shift from a point-of-sale startup to a $6B fintech powerhouse — now generating 82% of revenue from financial technology, with $195B gross payment volume across 164,000 locations.
How AppFolio scaled 36x through Embedded Finance
AppFolio, a property-management SaaS, had $951M revenue in 2025 — 76% from embedded finance (rent payments, tenant screening, insurance), growing revenue 36x over 12 years.
The ServiceTitan Masterclass in Embedded Finance
The $13 billion fintech growth engine hidden in a tool belt.
Lightspeed Commerce Case Study
How a POS software provider pivoted to a fintech platform, capturing $1B in revenue and defining the future of vertical SaaS — a blueprint for success with embedded finance.
Wix.com Embedded Finance Case Study
How Wix.com transformed from a website builder into a business operating system with embedded financial services at its core — now processing over $3B per quarter.