Embedded Lending

All EFR coverage of embedded lending: financing that marketplaces and platforms offer their merchants and customers. New to the topic? The Embedded Lending guide on EFR covers why platforms launch it and what it takes to build.

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Flowpay Partners with Teya and Acquires Tapline as Embedded SME Lending Expands Across Europe

Flowpay partners with Teya for embedded SME lending in Central Europe and acquires Tapline to expand into Germany and the UK. What it signals for the market.

By Lars Markull

/ 23 Mar 2026

Flowpay Partners with Teya and Acquires Tapline as Embedded SME Lending Expands Across Europe

Clio Launches Embedded Working Capital for Law Firms

Clio launches embedded working capital for US law firms inside its practice management platform. Will European legal software follow?

By Lars Markull

/ 2 Mar 2026

Clio Launches Embedded Working Capital for Law Firms

Dojo and Liberis Launch Embedded Lending for 150,000 UK Merchants

Dojo embeds working capital into merchant onboarding via Liberis. Two UK partnerships in two weeks signal Liberis is back.

By Lars Markull

/ 2 Mar 2026

Dojo and Liberis Launch Embedded Lending for 150,000 UK Merchants

Why Otto Built a 250-Person Payments Company for Its Marketplace

Christin Burmeister explains why Otto built a 250-person payments company in-house and what it takes to run a BaFin-licensed fintech unit.

By Lars Markull

/ 19 Feb 2026

Why Otto Built a 250-Person Payments Company for Its Marketplace

Deliveroo Launches Merchant Funding in the UK with Liberis

Deliveroo partners with Liberis to launch merchant funding for UK restaurants. Every major food delivery platform now offers embedded lending.

By Lars Markull

/ 16 Feb 2026

Deliveroo Launches Merchant Funding in the UK with Liberis

Adyen and Fresha Launch Embedded Lending Across Seven Markets with $5.5 Million Already Issued

Fresha launches embedded lending with Adyen across seven markets. $5.5M already issued to beauty and wellness SMBs with revenue-based repayments.

By Lars Markull

/ 4 Feb 2026

Adyen and Fresha Launch Embedded Lending Across Seven Markets with $5.5 Million Already Issued

QuickBooks launches Capital Marketplace in UK with YouLend as launch partner

QuickBooks launches Capital Marketplace in UK with YouLend as launch partner, offering SMBs £1k-£2m funding directly within the accounting software.

By Lars Markull

/ 4 Feb 2026

QuickBooks launches Capital Marketplace in UK with YouLend as launch partner

Amazon Germany partners with HypoVereinsbank and Banxware for embedded lending with credit lines up to €5 million

Amazon Germany adds HypoVereinsbank and Banxware to its lending programme. Credit lines up to €5m, decisions in three days, fully embedded in Seller Central.

By Lars Markull

/ 3 Feb 2026

Amazon Germany partners with HypoVereinsbank and Banxware for embedded lending with credit lines up to €5 million

Worldline and YouLend Launch Cash Advance for European SMBs

Worldline launches merchant financing with YouLend. Plus: why PSPs are racing to add lending, and YouLend's $230M revenue milestone.

By Lars Markull

/ 19 Jan 2026

Worldline and YouLend Launch Cash Advance for European SMBs

Banxware's Lending Orchestration Layer: Connecting Platforms, Banks & SMEs

Banxware shifted from direct lender to lending enabler. Jens Roehrborn explains how their orchestration layer connects platforms with bank funding.

By Lars Markull

/ 15 Jan 2026

Banxware's Lending Orchestration Layer: Connecting Platforms, Banks & SMEs

Austrian POS provider ready2order launches embedded lending with finmid

Austrian POS provider ready2order launches embedded lending with finmid. Where does it sit between fintech and vertical SaaS?

By Lars Markull

/ 8 Dec 2025

Austrian POS provider ready2order launches embedded lending with finmid

Allegro and PKO Bank Polski Launch Strategic Partnership Including Embedded Merchant Lending

Allegro partners with PKO Bank Polski to launch embedded merchant lending and account-to-account payments, targeting 1 million new bank customers and PLN 1.5 billion in loans.

By Lars Markull

/ 13 Nov 2025

Allegro and PKO Bank Polski Launch Strategic Partnership Including Embedded Merchant Lending