Fintech Infrastructure
Fintech
Embedded Lending Infrastructure
APIs enabling any SaaS platform to offer lending products to their customers. Shopify Capital model made replicable.
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Viability Score
Medium
Competition
$200B TAM
Market Size
Expert
Launch Difficulty
Revenue Share $20K+ Online
Problem Solved
Platforms have customer data but can't offer lending. APIs let them add financial products without banking licenses.
Target Audience
SaaS platforms, marketplaces, e-commerce platforms
Revenue Model
Loan origination fees + revenue share on interest.
Key Features to Build
- Risk assessment APIs
- Loan management
- Compliance engine
- White-label UI
- Reporting
Known Competitors
Pier
Lendflow
Canopy
Why Now — Market Timing
Embedded finance projected to reach $200B by 2028. Every platform wants to be a fintech.
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