Search Results for "Lending"
43 results for "Lending"
Deals 20
efood Partners with finmid to Launch Embedded Lending for Greek Restaurants
efood, a Delivery Hero brand in Greece, partnered with finmid to launch efood Capital, an embedded lending program for its 21,000 restaurant partners. The program offers up to €30,000 in financing within 48 hours, underwritten using platform transaction data rather than traditional credit checks. This reflects a growing trend of food delivery platforms embedding financial services to boost merchant retention.
Elavon and Liberis Expand Partnership to Launch Quick Capital in Canada
Elavon, a U.S. Bank subsidiary, expanded its partnership with embedded finance platform Liberis to launch Quick Capital, a seamless funding solution for small businesses across Canada. Liberis provides embedded financial products through vertical SaaS providers, marketplaces, and payment processors. The partnership strengthens embedded lending within merchant ecosystems.
NatWest and Sainsbury's Partner on Embedded Finance via Nectar Loyalty Program
NatWest and Sainsbury's announced a new partnership to deliver embedded financial products—including a co-branded Nectar credit card, instant access savings, and personal loans—to Sainsbury's customers through digital channels and the Nectar loyalty program. Products will be powered by NatWest's Boxed BaaS platform and are expected to launch in the second half of 2026. This is NatWest's third embedded finance partnership following similar 2025 deals with The AA and Saga.
Uzum Raises Over $130M for Digital Banking and Embedded Payments Platform
Uzum, an integrated e-commerce, digital banking, payments, and lending platform, raised over $130 million from Oman sovereign funds at a $2.3 billion pre-money valuation. The company operates a vertically integrated embedded finance stack. This represents significant sovereign fund interest in emerging market embedded finance infrastructure.
Avalara Launches Embedded Working Capital Solution for Businesses
Avalara announced the availability of Avalara Capital, an embedded working capital solution integrated into its tax and compliance platform. The product helps businesses access fast funding to address tax debt, seasonal cash flow gaps, and growth opportunities. It represents a notable entry of a compliance-focused SaaS company into embedded finance.
Cross River Bank Raises $50M Equity to Scale Embedded Finance Platform
Cross River Bank, via parent CRB Group, raised $50 million in common equity from existing investors including T. Rowe Price Investment Management. The funding will scale its API-driven core banking system (COS) powering embedded finance for over 100 fintech partners. CEO Gilles Gade framed the strategy as "embedded finance 2.0," bundling payments, cards, lending, and crypto on one AI-enhanced platform.
Real Wallet Wins 2026 Fintech Breakthrough Award for Embedded Finance in Real Estate
Real Wallet won a 2026 Fintech Breakthrough Award for pioneering embedded banking and lending in real estate. The platform integrates financial services directly into property transactions. This signals growing vertical-specific adoption of embedded finance beyond traditional consumer and SME use cases.
OCC Grants Valt Bank Conditional National Bank Charter for SMB Banking
The OCC conditionally approved Valt Bank's national bank charter on March 13, 2026. Valt Bank is a fintech challenger targeting small and midsize businesses with integrated banking, payments, and credit services. The approval requires Valt to raise at least $25 million in capital within 12 months and launch operations by September 2027. This is the latest in a surge of de novo charter applications from fintechs and digital banks.
Neo Financial Raises $68.5M to Expand Canadian Digital Banking Platform
Neo Financial, a Canadian digital-first banking and financial products company, raised $68.5M in equity funding. The round supports the launch of a securitization program and continued platform expansion. Neo Financial offers embedded banking products in the Canadian market.
Veritus Raises $10.1M Seed for Voice-First AI Lending Agents
Veritus raised $10.1M in seed funding for its voice-first AI agents designed for consumer lending workflows. The platform integrates via APIs into lending processes. This deal reflects the convergence of AI and embedded lending infrastructure.
US Sponsor Banking Sector Grows Nearly 10% With Over 100 Banks Active
U.S. sponsor banks grew nearly 10% year-over-year, with over 100 banks now active in the space. Success is increasingly tied to selective fintech partnerships emphasizing compliance readiness and recurring revenue. Pathward highlights AI and embedded finance as the next frontier for sponsor banking evolution.
b1Bank Partners with Covecta to Deploy AI Agents for Banking Operations
Louisiana community bank b1Bank partnered with UK fintech Covecta to implement AI agents that automate deposit and loan operations. The system is forecasted to go live approximately eight weeks from agreement. This partnership signals growing AI adoption among community banks.
InvestiFi Partners with Thinkwise Credit Union for Embedded Investing
InvestiFi partnered with Thinkwise Credit Union to embed digital investing tools directly into the credit union's online and mobile banking platforms. The integration enables smaller financial institutions to offer investment services without building proprietary infrastructure. This partnership highlights the expansion of embedded finance beyond payments and lending into wealth management.
PayPal Applies for Utah Industrial Loan Company Bank Charter
PayPal applied for a Utah-chartered Industrial Loan Company (ILC) bank to fund small business lending and offer interest-bearing savings accounts. The move would reduce PayPal's reliance on third-party banks like Synchrony and allow it to join card networks directly. This signals a major shift from payments processor to vertically integrated lender-bank.
Mexico's Plata Secures $500M Financing for Digital Banking Infrastructure
Plata, a Mexico-focused digital banking platform, secured a $500 million financing facility to support its digital banking infrastructure. The deal represents one of the largest fintech financing rounds in December 2025. Plata's model is BaaS-adjacent, providing foundational banking services in the Latin American market.
American Fintech Council Backs Bank-Fintech Partnership Enhancement Act
The American Fintech Council publicly urged passage of the Bank-Fintech Partnership Enhancement Act (H.R. 6552), calling for a federal study on bank-fintech partnerships' impacts on community banks, innovation, and consumer protection. The advocacy effort highlights growing legislative attention to the regulatory framework governing BaaS and embedded finance relationships.
Bourn Raises £3.5M with NatWest for SME Embedded Payments Platform
UK fintech Bourn raised £3.5 million (~$4.4M) with involvement from NatWest Group to scale its SME working capital and payments platform. The bank-fintech funding relationship highlights the embedded finance trend where traditional banks back infrastructure fintechs. Bourn's platform serves small businesses with integrated payment and capital solutions.
Enova to Acquire Sponsor Bank Grasshopper for $369 Million
Enova International announced a definitive agreement to acquire Grasshopper Bancorp, a BaaS sponsor bank, for approximately $369 million in cash and stock. Grasshopper supports fintechs like Pocketbook, Manifest, and Sydecar through API-driven banking platforms. The deal creates a vertically integrated fintech-bank hybrid combining Enova's online lending with Grasshopper's digital banking and deposit base.
Capital On Tap Closes £500M Securitization for SME Credit Cards
Capital On Tap closed a £500 million asset-backed securitization dubbed 'London Cards 3' to fund its small business credit card operations. The deal provides long-term, scalable funding for the fintech's embedded credit products amid tightening lending conditions.
Thrivory Raises $3.5M and Launches ThriveNow Healthcare Payments API
Thrivory raised $3.5 million alongside the launch of its ThriveNow API, designed to address healthcare cash-flow issues by accelerating insurer reimbursements. The API-first product embeds financial infrastructure into healthcare provider workflows to speed up payment cycles.
Regulatory Actions 3
Industry-Wide
The OCC, FDIC, and Federal Reserve jointly issued a statement reminding banks of risks in third-party arrangements with fintechs for delivering deposit, payment, and lending products. The statement outlines risk management examples without creating new rules.
SoFi Bank, National Association
The OCC conditionally approved SoFi's national bank charter, subjecting the fintech-turned-bank to full federal supervision. The approval included restrictions on crypto activities to ensure safe deposit and lending practices.
Santander Consumer USA Inc.
The CFPB fined Santander $4.75 million in December 2020 for inaccurate auto loan data reporting under the Fair Credit Reporting Act. The action was not BaaS-related but involved consumer lending compliance.
Registry 20
AS Magnetiq Bank
LV · active · Payments, Cards, Accounts, Lending, FX, KYC/AML, Open Banking, Crypto
Adyen
NL · active · Payments, Cards, Accounts, Lending
Aion Bank
BE · active · Cards, Accounts, Payments, Lending
Bank Albilad
SA · active · Accounts, Payments, Lending, Open Banking
Bank al Etihad
JO · active · Accounts, Payments, Cards, Lending, FX, Insurance
Bankable
UK · active · Payments, Cards, Accounts, FX, Lending
Blue Ridge Bank
US · inactive_wind_down · Formerly: Payments, Cards, Lending, Accounts
Brankas
SG · active · Open Banking, Payments, Lending, KYC/AML
CBW Bank
US · active_regulatory_scrutiny · Payments, Cards, Lending, Accounts, BNPL
Celcoin
BR · active · Payments, Accounts, Lending, Open Banking, KYC/AML
Celtic Bank
US · active · Lending, Payments
Clip
MX · active · Payments, Lending
Coastal Community Bank
US · active · Cards, Lending, Accounts, Payments
Codebase Technologies
AE · active · Accounts, Cards, Payments, KYC/AML, Insurance, Lending
Column N.A.
US · active · Payments, Cards, Lending, Accounts
Cross River Bank
US · active_regulatory_scrutiny · Lending, Payments, Cards, BNPL, Accounts
Customers Bank
US · active_regulatory_scrutiny · Lending, Payments, Accounts, Crypto
D360 Bank
SA · active · Accounts, Savings, Cards, Lending, Payments
DBS Bank
SG · active · Payments, Accounts, FX, Lending
Dock
BR · active · Accounts, Cards, Payments, Lending, KYC/AML