Vendor directory

Lending & Financing

Every lending & financing vendor Charge Forward profiles — plus the presentations, podcast episodes, and answers for the category.

25 vendors · jump to the vendor list · how we profile

Lending & Financing presentations

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Embedded Consumer BNPL - A Strategic Guide for Software Executives

A 17-slide strategic guide to embedded consumer BNPL for vertical SaaS platforms. The three-way value exchange; simple installments vs. proper consumer credit and what each obliges you to; the three integration depths (refer, white-label, native) and the revenue share each earns; a normalized comparison of 12 providers by AOV, terms, merchant fee, vertical and geography (Affirm, Klarna, Afterpay, PayPal, Splitit, Sunbit, Wisetack, Cherry, PayZen, CareCredit, Sezzle, Zip); the 2026 regulatory picture after the CFPB's Reg Z rule was rescinded and the action moved to the states; referral-revenue math on a 5,000-merchant platform; and an operator scorecard with funded-attach, approval and activation benchmark bands by vertical. US / Canada edition, July 2026.

B2B Embedded Lending Playbook for Vertical SaaS

A 30-slide executive guide to B2B embedded lending: the opportunity, the unit economics, the data moat, the five levels of participation, and the vendor landscape across Parafin, Kanmon, YouLend, Liberis, Jaris, Pipe, Slope and LendingFront.

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.

How Block quietly became the most important case study in fintech

Block went from a card reader company to a $10.4B gross-profit fintech ecosystem in under a decade. Financial services now account for 58% of gross profit — over $200B in cumulative lending at a 97% repayment rate.

The PayPal Embedded Finance Case Study

Despite competition from Stripe and Apple Pay, PayPal maintains a defensible moat through its two-sided network of 439 million active accounts and 35 million merchants.

Godaddy's Fintech Evolution

The Godaddy case study in embedded finance — from domains to dollars.

Podcast episodes

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Infographics

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Godaddy Embedded Finance Case Study

Sales Compensation Structures for Variable-Usage Embedded Finance Products

Lending & Financing vendors (25)

Affirm Embedded BNPL and installment lending platform letting merchants offer 0–36% APR pay-over-time at checkout.

Afterpay Buy Now Pay Later checkout for merchants: Pay-in-4, zero interest, via the Block and Cash App ecosystem.

Billie Europe's leading B2B BNPL platform — merchants get paid upfront, business buyers pay on flexible invoice terms.

Clair Embedded earned wage access and digital banking that lives natively inside payroll and HR platforms.

DailyPay Enterprise earned wage access with deep HCM integrations and an embedded API for HCM vendors.

Hokodo European B2B BNPL with FCA + EU EMI licenses, in-house credit, and Lloyd's of London insurance backing.

Immediate Employer-embedded earned wage access for senior living, healthcare, and SMB workforces.

Jaris Single-integration embedded finance suite — loans, instant payouts, and banking — for ISOs, processors, and SaaS platforms.

Kanmon Turnkey embedded lending stack that lets vertical SaaS platforms offer working capital to SMBs without credit risk.

Klarna Global BNPL platform with EU banking license offering Pay-in-4, Pay-in-30, and installment financing.

Kriya UK B2B BNPL and invoice finance — Stripe's first B2B PayLater partner, acquired by Allica Bank in 2025.

Lendflow Embedded lending infrastructure for platforms.

Liberis Embeds revenue-based SMB funding into payment processors, marketplaces, and vertical SaaS via API or hosted white-label.

Mondu B2B Buy Now Pay Later platform for European merchants — checkout-integrated credit with full risk transfer.

Parafin AI-powered embedded capital, spend cards, and pay-over-time for marketplaces and vertical SaaS serving small businesses.

Pipe Embedded working capital advances and business charge cards for vertical SaaS, PayFacs, and marketplaces serving SMBs.

Resolve Affirm spinout for B2B net 30/60/90 terms — embedded checkout, AI underwriting, and non-recourse AR.

Sezzle Public US/Canada BNPL with WebBank sponsorship, B Corp certification, and major retail merchant footprint.

Slope Embedded Capital AI-powered embedded B2B financing — net terms and credit lines — for marketplaces and platforms at checkout.

Splitit White-label BNPL that splits purchases into installments on the shopper's existing credit card — no new loan.

Tabit Canadian B2B BNPL providing net terms to wholesale and ecommerce merchants — a Merchant Growth product.

Tapcheck Earned wage access platform integrated with 300+ payroll systems for employers and white-label partners.

Two B2B Buy Now Pay Later with sub-2-second credit decisions, Allianz Trade insurance, and Santander partnership.

YouLend Embedded revenue-based financing platform enabling businesses to offer flexible funding to merchants and SMEs

Zip Australian-listed BNPL operating in US, AU, NZ with WebBank sponsorship and Stripe Dashboard integration.