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The business world is no stranger to buzzwords, but embedded finance is more than a fleeting trend. It represents a profound shift in how software companies deliver value and generate revenue. By seamlessly integrating financial services like payments, lending, and payroll into their platforms, software companies can transform themselves into indispensable tools for their customers.

While embedded finance is growing rapidly, this article, like the growth trend itself, isn’t really about embedded finance; it’s about the software companies that will use it to take themselves to the next level, hitting their financial targets while serving their customers even better. It’s also about those customers, who gain the ability to do more of what they need in one place, as financial tools and capital access become an integral part of the software they use to run operations. 

Let’s look closer at launching embedded finance in 2025, how it can benefit you and your customers, and a few key strategies to make it a successful part of your roadmap and get a headstart on your revenue and EBITDA goals without stretching yourself thin.

What is Embedded Finance?: The Basics for Software Companies

embedded finance integrates financial services

—such as payments, lending, and payroll—directly into software platforms. This simplifies workflows, removes barriers, and meets customers right where they are so they can focus on operations.

For small and mid-sized businesses, this is a game-changer. Embedded finance eliminates the need to juggle multiple tools or visit external platforms to access critical financial services. Whether it’s securing funding, managing payroll, or streamlining payments, business owners can accomplish more within the software they already use every day. 

Ultimately, embedded finance bridges the gap between what SMBs need and what traditional financial services have offered. This evolution reflects a broader trend: software platforms no longer serve as standalone tools but as holistic ecosystems that solve multiple problems in one place. Success lies in aligning customer needs with seamless, integrated solutions.

The momentum around embedded finance has already begun, but 2025 will be the tipping point for software companies looking to leverage it for sustainable growth. Why? 

First, the software industry itself is experiencing significant evolution. As 

business owners continue to demand more from the platforms they use

, the need for all-in-one solutions is becoming non-negotiable. Companies that don’t meet this demand risk losing market share to competitors that can offer the financial capabilities their customers need. Embedded finance is no longer a luxury—it’s becoming a necessity.

businesses are struggling to access capital through traditional means

. The barriers posed by outdated lending systems, long approval processes, and limited access to credit are becoming increasingly apparent. As SMBs look for faster, more flexible solutions, software companies that embed financial services directly into their platforms will have a massive competitive edge. They‘ll not only provide more value but will also drive increased customer loyalty by meeting their customers’ needs in real-time.

Finally, the technology and infrastructure to support embedded finance are now more accessible than ever. Fintech solutions that integrate seamlessly with software platforms are maturing, offering easy-to-deploy tools that require little technical overhead. With the right partner, software companies can introduce embedded finance into their product offering quickly and efficiently, with minimal risk.

By embedding financial services, software companies can drive growth, meet market demand, and position themselves for long-term success. Those who wait will risk falling behind as competitors capitalize on the opportunity.

Key Benefits of Embedded Finance for Software Companies

Embedded finance can help software companies grow in several ways. Let’s explore how it can directly impact your revenue and EBITDA goals:

One of the most immediate benefits of embedded finance is the potential to unlock new revenue streams. By integrating financial services like capital directly into your platform, you can create a steady and recurring source of income. By partnering with a Fintech offering, you can launch with little to no engineering resources and can drive this revenue with minimal marketing budget.

2. Increased Customer Retention and Loyalty

When platforms integrate financial services, they tend to become more "sticky"—meaning customers are more likely to stay loyal to the platform because their operational needs (including financial management) are being met in one place. This reduces churn and increases customer lifetime value, as your platform becomes more essential to their business. Customers no longer need to switch between multiple tools and platforms to handle their business operations; they can do everything within your ecosystem, which enhances their overall experience and loyalty.

This stickiness also protects you against the roadmap of competitors. For example, if your customers process payments through your platform and you add an embedded capital offering, you protect yourself from the chance that the external capital provider they 

have used decides to launch a payment product of their own. 

One powerful aspect of embedded finance is that it’s fueled by your customers’ live data. Capital offers, for example, can be underwritten based on transaction history, eliminating much of the manual data collection that makes traditional loan applications so long. It can also provide access to data insights you previously didn’t have access to. 

For example, you may be limited to transaction data from processing customer payments. An embedded offering could provide insights into your share of wallet by comparing the revenue you process with your customer’s total revenue, or spend insights based on an embedded card. This data-driven approach strengthens customer relationships and opens up new opportunities for cross-selling and upselling. 

As more competitors adopt embedded finance, software companies that don't act will find themselves at a disadvantage. The ability to offer integrated financial services will become a key differentiator, especially for businesses in vertical markets. By offering this added value, you can position your platform as the go-to solution for customers in your niche, creating a significant competitive edge. 

Building a financial product in-house can take 6-12 months or longer, taking you away from your core focus. The right Fintech partner can help software companies scale embedded finance quickly and with minimal technical overhead. By leveraging pre-built solutions and APIs, you can embed financial services into your platform without investing significant resources into product development. Your partner can also help you expand the offering into new markets without starting from scratch, helping you maintain momentum as you grow.

In addition to increased LTV and the direct revenue potential of an embedded financial product, it’s also a powerful way to help your customers grow their own businesses and stay healthy. With access to financial services like working capital, your SMB customers can invest in their growth and their people, leading to increased GPV and LTV for your business and reduced churn from customers going out of business. 

In-House Development vs. Partnering with a Fintech: What’s Right for Your Business?

When deciding to launch embedded finance, one of the first decisions software companies face is whether to 

build the product in-house or partner with a Fintech provider

. Both approaches have their pros and cons, and the choice largely depends on your company’s resources, goals, and timeline.

Building an embedded finance solution internally gives you full control over the product, from design and functionality to customer experience. You can customize the offering to your exact specifications, ensuring it aligns perfectly with your platform and meets your customers’ unique needs. It also allows you to keep all revenue in-house and retain complete ownership of the technology.

However, building an embedded finance product in-house comes with significant challenges. First, it requires substantial technical expertise and a dedicated team, including engineering, product, risk, compliance, capital markets, GTM, and more. This can be resource-intensive and may divert focus from your core business operations. The development process can also take 6-12 months or longer, delaying your ability to capitalize on the embedded finance opportunity.

In addition, you’ll need to manage regulatory compliance, data security, and ongoing maintenance, which can become costly and complex. While you have control over every aspect of the product, the risk of failure is also higher without the experience of a Fintech partner.

2. Partnering with a Fintech: The Pros and Cons

Partnering with a Fintech provider like Pipe offers a faster, more efficient way to launch embedded finance. With ready-to-integrate solutions, you can get up and running quickly—often in a matter of weeks, not months. This approach dramatically reduces or even eliminates the need for in-house development and minimizes technical overhead.

A good Fintech partner brings industry expertise, robust infrastructure, and regulatory compliance to the table. They’ve already solved many of the challenges you’d face when building an embedded finance product, from underwriting to fraud detection. 

The downside is that you may have less flexibility and control over the product. However, Pipe offers a range of integration options and a fully themeable product experience that not only allows you to customize a product that feels native to your platform, but also gives you the time and focus to stay agile with your core offerings. 

The decision ultimately depends on your company’s priorities. If you have the internal resources, technical expertise, and time to build the product while maintaining full control, in-house development could be the best route. However, if you’re looking to launch quickly, minimize risk, and leverage existing Fintech expertise, working with a partner like Pipe can help you reach your goals faster and achieve better results.

Choosing the Right Fintech Partner for Embedded Finance

If you choose to go the partnership route, you’ll want to choose an embedded partner that not only brings the technical expertise and infrastructure to the table but also aligns with your business goals and understands your customer base. Here's how to choose the right fintech partner for your embedded finance strategy:

A key benefit of embedded finance is seamless integration. The Fintech partner you choose should offer pre-built solutions, APIs, or SDKs that easily integrate into your platform. This minimizes the amount of time and resources required to bring the financial services to market, reducing the technical burden on your team.

Pipe offers three integration options, from a hosted pilot to a fully-embedded API solution, giving you the perfect fit, whether your focus is a quick launch or a customizable user journey. You should also consider scalability—ensure that your partner’s solution can grow alongside your business, handling increases in transaction volume and expanding to new regions as you scale.

Financial services require robust risk management and compliance programs. When choosing a Fintech partner, ensure they have strong security measures in place and can meet the regulatory requirements of your target market. This includes not only data protection (such as GDPR or CCPA compliance) but also industry-specific regulations for financing payments, etc..

Consider the expertise of the team you partner with, as well as the technology they have in place to aid in risk management, fraud detection, and compliance in a scalable way. 

Embedded finance isn’t just about technology—it’s about the customer experience. Choose a Fintech partner that prioritizes delivering a seamless and intuitive user experience. The financial products should feel as integrated and natural as the rest of your platform, with no friction for customers in accessing or using them.

, helping you troubleshoot issues, optimize your capital offering, and ensure a smooth experience for your users. This level of partnership will enhance your ability to deliver high-quality service for your customers and outstanding metrics for you.

Predictions for Embedded Finance in 2025 and Beyond

As we look ahead to 2025, the direction of embedded finance points to rapid adoption and innovation. Software companies that integrate financial services will become leaders in their verticals, reshaping customer expectations and competitive dynamics. Here are some predictions for what’s next:

1. Embedded Finance Will Become the Industry Standard

Soon, embedded finance will no longer be a differentiator; it will be a baseline expectation for software platforms. Businesses of all sizes will seek out platforms that offer integrated financial services as part of a holistic, all-in-one solution. Software companies that don’t adapt risk being left behind as customers flock to platforms that offer greater convenience and value.

2. Vertical-Specific Solutions Will Dominate

The rise of industry-specific platforms, such as Toast for restaurants or ServiceTitan for contractors, will fuel the growth of tailored embedded finance solutions. These platforms will continue to evolve into comprehensive operating systems, seamlessly integrating payments, lending, payroll, and other financial tools to address the unique needs of their industries.

3. AI-Driven Financial Insights Will Transform SMB Decision-Making

With the power of artificial intelligence and live data, embedded finance will go beyond offering financial services to providing actionable insights. For example, predictive analytics will help SMBs anticipate cash flow challenges or identify growth opportunities, further embedding these platforms into the decision-making processes of their customers.

As embedded finance grows, regulatory oversight will increase. Software companies will need to navigate evolving compliance requirements, but this challenge will also drive innovation in risk management, fraud prevention, and secure financial integration. Those working with experienced partners will be at a huge advantage, with an expert managing the complexity on their behalf.

5. Partnerships Will Power the Next Wave of Innovation

The software marketplace will continue to emphasize collaboration. Partnerships between software platforms and Fintech providers will accelerate the development of embedded solutions, making it easier than ever for SMBs to access capital, manage payments, and scale their operations.

Conclusion: Seizing the Embedded Finance Opportunity

The rise of embedded finance is more than a trend; it’s a transformative opportunity for software companies. By integrating financial services into their platforms, businesses can unlock new revenue streams, enhance customer retention, and position themselves as indispensable tools in their customers' operations.

Whether you choose to build in-house or work with a Fintech partner like Pipe, the time to act is now. 2025 is poised to be a pivotal year for embedded finance, and those who embrace the opportunity will gain a competitive edge that defines the next chapter of their growth.

Embedded finance isn’t just about technology—it’s about creating a seamless, value-driven experience for your customers. By aligning your strategy with customer needs, industry trends, and the right partnerships, you can build a future-ready platform that stands out in a rapidly evolving market.

2025 could set the perfect conditions for vertical software companies to grow with embedded finance. Here's why...

See why 2025 could be a watershed year for vertical software companies and why embedded finance could be the catalyst.

Will 2025 be the year of embedded finance for software companies?

Pipe's cash advance model creates several advantages for SMBs, including simplicity, flexibility, and speed. Here’s a closer look at Pipe Capital, how it differs from traditional MCAs, and what it means for business owners and embedded partners.

Our cash advance structure allows for agility and speed, launching faster than a typical traditional loan product. Pipe Capital is built with speed and convenience in mind for both our embedded partners and the small businesses that access capital through their platforms.

One of the major hurdles in traditional small business financing is the lengthy applications and extended waiting periods. Because Pipe Capital underwrites SMBs based on secure, live transaction data, we can streamline the process down to a few simple steps, utilizing data that already exists on the partner platform. The result? Partners can launch in as little as a few weeks, and business owners can access capital in days. 

Merchant-friendly funding for safer growth

We believe companies in the financial industry have an obligation to build proactive policies into their products and protect their customers, whether it’s legally mandated or not. While we’re not a lender, Pipe Capital complies with federal fair lending laws, state disclosure laws, and the full KYB/sanctions regime. Our program maintains robust protection for SMBs, helping our partners deliver high customer satisfaction. This also allows us to keep the cost of capital down, by minimizing risks, making the program more attractive to our capital markets partners. 

In the past, many small business owners have put their business 

 assets at risk, in an effort to secure the funding they needed to grow. At Pipe, we never require personal guarantees from business owners and do not have “confessions of judgment” and other abusive contractual terms some have used to seize assets or freeze accounts with little recourse for the business owner. 

We also work to protect against dangers like stacking by issuing only one advance at a time and monitoring for outstanding financing from another provider at onboarding. Our goal is always to help SMBs access the capital they need, as quickly and sustainably as possible.  

Payments that flex with changes in revenue 

Some MCA providers have given the product a bad name in the past by taking advantage of the flexible MCA payment schedule, with accelerated payments for any contract infraction, which resulted in effective APRs in the hundreds. This is why we’ve worked hard to prevent excessive APRs and have built a product that goes out of its way to help preserve the customers’ cash flow. 

Pipe Capital payments decrease with dips in revenue, with no monthly minimum, protecting SMBs during slow times. With one flat, transparent fee (paid over the life of the advance) there are no surprises, and our hold rates (the portion of the customer’s revenue held back to pay their MCA) are lower than many alternatives—15% or below—preserving cash flow for businesses.  

A cash advance product that equals more capital access

Small business owners and the software companies that serve them often compare the benefits of cash advance products with traditional loans. While there are pros and cons to both, our advance structure makes it possible to give capital access to more SMBs when they need it. 

The primary advantage of traditional term loans is that they can be less expensive overall, often because they’re securitized and offered only to the lowest-risk population of prospective borrowers. Unfortunately, many factors can place immigrant-, minority-, and women-owned businesses in the “higher-risk” categories, locking them out of the financial access they need to grow their businesses to their full potential. 

For example, Black-owned businesses were denied loans nearly twice as often as white business owners, according to  Federal Reserve statistics.

 Women-owned businesses also have a harder time being approved for loans, even when their businesses are comparable to their male-owned counterparts.

Unlike traditional financing options based primarily on credit scores and lengthy business histories—which often disproportionately exclude these underserved populations—Pipe’s Capital advance is based on anonymized live revenue data, giving a real-time picture of the health of a business with as little as 3-6 months of history. This allows smaller and younger businesses—many of which are women-, minority-, and immigrant-owned—better access to working capital.

Pipe is underwriting the future of small business with an evolved cash advance model that allows simple,  unbiased financial access to be seamlessly integrated into the tools SMBs use every day. 

https://www.commerce.gov/news/fact-sheets/2024/06/fact-sheet-us-department-commerce-support-minority-business-enterprises

https://www.federalreserve.gov/publications/2021-november-consumer-community-context.htm

See how Pipe's evolved cash advance model is creating more capital access for small business owners across industries.

See how Pipe's evolved MCA model is creating more capital access for businesses across industries.

Pipe Capital: A merchant-friendly MCA model built to improve capital access for SMBs

Pipe Capital: A merchant-friendly cash advance model built to improve capital access for SMBs

Pipe Capital: A customer-friendly MCA model built to improve capital access for SMBs

If you’re weighing multiple options or are currently working with an embedded partner and wondering if it makes sense to switch, here are a few reasons Pipe stands out from the crowd.

With Pipe Capital, launching a new product offering is incredibly fast and straightforward. Our seamless integrations help you accelerate your growth and your customers’ access to the capital they need. Choose from Pipe-Hosted, Embedded UI, and full API options and leverage Pipe’s expertise to transform your financial ecosystem and drive revenue growth effortlessly. We’ll manage all risk and capital markets, so you can launch without financial investment or risk to your business. Our expert team will walk you through integration and support your go-to-market launch to help you get the best possible results.

We achieve a 9.4% first month activation rate for our vertical SaaS partners through:

Our partners report significantly higher activation rates compared to other embedded options, thanks to our tailored underwriting models, expert GTM support, and dedicated revenue team. Our underwriting models can be trained to your customer base—and are based on business performance, not FICO scores—allowing us to serve more of your customers than many competitors. With our comprehensive launch playbooks, you'll achieve optimal customer activation through personalized strategies, including email, direct mail, in-product banners, and more. 

Offer a seamless experience your customers will love

Merchants give Pipe a 92 net promoter score

By embedding with Pipe, you give your customers access to frictionless financing that feels native to your platform. Pre-approved offers, flexible and transparent payment terms, and merchant-friendly support are all reflected in our outstanding NPS score (average NPS is 44 for financial services and 30 for banking according to 

Pipe distinguishes itself through three key advantages:

: Typically require 1-3 months or longer for frontend development and API integration.

: Multiple options let you find the perfect balance of speed and customization. Our Pipe-hosted pilot can launch within a few days with no engineering lift. The Embedded UI provides a quick route to unlocking higher funnel metrics, while our full API solution lets you take complete control of the user journey on top of Pipe’s infrastructure.

: More rigid and less user-friendly in terms of integration and customization options. Pre-qualifications that are not indicative of final approvals and subject to additional credit checks.

: Select the embedded option that works best for your timeline and resources, with zero engineering lift for Pipe-hosted. We also offer multiple revenue flow options like Split Pay and FBO, so you choose the right experience. 

Customers can apply in minutes, and payments are automatically handled as revenue flows through your platform. Our multi-draw structure lets them take exactly what they need, returning for additional advances as needed. 

a large number of customers, they have a steep drop-off from additional checks. Pipe offers

with no additional credit checks, with 98% of pre-approvals translating to full approval.

Partners benefit from our extensive expertise. We've conducted numerous tests to optimize user experience and funnel metrics from day one. Our tailored underwriting evolves with each partner, while our models continuously learn from partner interactions and direct business. For partners, this translates into more addressable customers, higher conversion rates, and more advances executed.

: While competitors are limited to email campaigns, Pipe offers a range of activation options, including SMS, direct mail, ads, and white-labeled sales support, resulting in superior conversion rates. Our Go-to-Market team is here to help ensure the success of your launch and beyond.

: Launch a branded card offering powered by Pipe’s underwriting and integrated UI. Your customers can apply in as little as a few minutes and benefit from unlimited virtual cards, unlimited 1.5% cash back rewards, spend insights, and more. We take care of all the compliance, risk, capital markets, and heavy lifting.

: This feature enables customers to connect additional payment sources, providing valuable insights into wallet share percentages and incentivizing customers to utilize a partner for more of their payment volume. These insights help partners accelerate payment revenue, increase their share of wallet, and improve customer engagement and retention.

Partner with Pipe to offer your customers the financial tools they need to grow and thrive. Experience the difference with fast, seamless integration, outstanding activation rates, and exceptional customer satisfaction.

See why partners are choosing Pipe over other embedded capital providers, and why merchants choose Pipe too. 

Learn why Payfacs, vertical SaaS, and other platforms are choosing Pipe as their embedded capital partner. 

See what sets Pipe apart from other embedded finance partners

Why Pipe? See what sets Pipe apart from other embedded finance partners

Why Pipe?

When it comes to your company’s finances, security is key. Protecting your data and financial information is a top priority, and—whether you’re a Pipe customer or one of our embedded capital partners—it’s our top priority, too. That’s why we’re excited to share about our recent SOC2 Type II completion and why it matters.

At Pipe, we’re committed to keeping our customer’s data safe while helping them access capital to grow on their terms. To guarantee that our systems and processes align with this goal, we turned to external experts for an independent review. A SOC 2 report is the result of that review.

Obtaining a System and Organization Controls (SOC) 2 report is one way for a service organization to prove the security of its digital environment. Completing a SOC 2 examination through an 

 does not result in a certification. Instead, the resulting CPA’s report is an independent attestation, not unlike an external financial audit. It’s a tool to help an organization communicate whether the internal controls governing the security of customers’, partners’, and stakeholders’ data are properly designed, implemented, and maintained.

In simpler terms, a SOC 2 report helps current and potential stakeholders assess risk by giving them a closer look at the policies and procedures put in place to ensure the organization’s services are provided safely and reliably. And while our security team loves to burn the midnight oil (looking at you, Kyle*), it’s these processes that truly work 24/7 to keep your data safe.

* Our fearless Manager of Infrastructure & Security, Kyle Polley

Why SOC 2 matters and why we went through this process at Pipe

Completing a SOC 2 examination is a big step for any company. It demonstrates your commitment to data security and ensures that you’re prepared to face the challenges of the ever-changing cybersecurity landscape.

"Pipe’s SOC 2 report not only confirms the robust controls we've set up but also stands as a testament to our formidable technical infrastructure and our unyielding promise to 

prioritize and fortify security across our IT processes, ensuring the safeguarding of our customers' data,

SOC 2 assessments are overseen by certified CPA entities. An auditor tests the effectiveness of the organization's internal controls and then maps those controls to one or more Trust Services Criteria established by the 

American Institute of Certified Public Accountants (AICPA)

For Pipe, these vital criteria encompass:

A SOC 2 report's breadth can fluctuate based on the time frame examined.

As a part of our commitment to the highest levels of security, Pipe's recent SOC 2 Type II report spanned from June 1, 2023, to August 31, 2023, and included all five of the criteria listed above. 

detailed breakdown of how to read a SOC 2 report

, including where to find the most important and relevant information for your situation.

Current and prospective customers interested in obtaining a copy of Pipe’s latest SOC 2 report can 

Last but certainly not least, a big thank you to everyone in Engineering, Security, and IT for their diligence and thoughtfulness in keeping our customers safe.

Find out what a SOC 2 review covers and why it's crucial for an embedded finance partner.

Why SOC 2 Compliance is a Must-Have for Your Capital Partner

Access to financial services is crucial for small businesses, and many now expect financial tools embedded within the platforms they already use. If you’re looking to scale, increase revenue, and improve customer engagement, embedded financing could be the answer. In this article, we’ll outline three steps to successfully implement embedded finance in a way that benefits both your business and your customers.

Assess your business's need for embedded financing

Before embedding finance into your product, you need a strategic approach. Not every 

 will suit your business or customers. Here’s how to determine the best fit:

Embedded finance covers a range of services, from 

 and capital products to payment processing and insurance. The right solution depends on who your customers are and their financial needs.

Understanding how customers interact with your product will guide your financial service choices.

Example: If your platform enables small businesses to process payments, offering a capital solution based on their transaction history could be a valuable addition. If you provide travel services, integrating insurance at checkout would enhance the customer experience.

Determine which financial features to embed

Once you’ve analyzed your customer needs, prioritize financial services that deliver the highest impact.

Test and iterate based on user data to continuously refine and optimize your embedded finance offering.

It's important to prioritize the financial features that will have the biggest impact on your customers and your business. Consider the cost and feasibility of implementing each feature, as well as the potential ROI.

Finally, don't forget to test and iterate on your financial services offering. The data you collect from your embedded finance customers can allow you to continuously improve and optimize your offering, identifying new opportunities to serve them even more.

Step 2: Overcome common implementation challenges

While embedded finance offers substantial benefits, implementation comes with challenges. Addressing these early will streamline the process.

Your embedded finance partner should be able to scale as your customer base grows.

At Pipe, we serve small businesses from their first year up to mid-market enterprises, ensuring capital availability at every stage of growth.

Financial services are subject to strict regulations, including:

Failure to comply with these regulations can result in significant penalties and reputational damage. 

Your financing partner should manage compliance for you, reducing the operational burden and ensuring adherence to legal requirements.

Regulatory disclosures and AML/OFAC checks are built into Pipe’s embedded capital, handling KYC and other processes automatically, so there’s no added burden on your team and no unnecessary friction for your customers.

Financial information is highly sensitive and valuable, making it a prime target for cyberattacks and other forms of fraud. Companies need to ensure that their security measures are robust and comply with applicable data security and privacy laws, such as the 

Companies also need to communicate clearly with their customers about how their data is being used and protected. This requires transparency and trust-building measures, such as clear privacy policies and secure data storage practices.

Seamless integration with existing systems

Many businesses struggle with integrating financial services into their existing infrastructure. Solutions like API-based finance offerings make integration smoother and more efficient.

Best practices for a frictionless launch:

At Pipe, we offer a hosted pilot solution that lets partners launch embedded finance in just 1–2 weeks with no engineering effort, ensuring a fast, low-risk rollout.

Step 3: Choose the right embedded finance solution

Selecting the right embedded finance provider is key to long-term success.

There are different types of embedded finance providers, including:

Consider these factors when choosing your embedded finance partner:

Managing compliance can be a huge burden. Look for a partner who:

A smooth integration process is critical. A good partner will:

At Pipe, our API simplifies integration, and we support full UI customization to match your platform’s branding.

The right partner doesn’t just provide capital—they help you grow. Compare how providers assist with:

The more customers you activate on your embedded finance offering, the greater the long-term revenue impact.

Embedded financing is a powerful tool that enhances customer experience, drives platform engagement, and increases revenue. By following these three steps—assessing your business needs, preparing for challenges, and choosing the right partner—you can integrate financial services seamlessly and start seeing the benefits immediately.

Looking for a turnkey embedded capital solution? Explore how 

 can help your business scale effortlessly.

If you're looking to scale your business, increase revenue streams, and deepen customer engagement, embedded finance could be the solution.

Embedded finance is transforming how businesses scale, drive revenue, and deepen customer relationships. Learn the three key steps to seamlessly integrate financial services into your product.

Product

Will 2025 be the year of embedded finance for software companies?

Pipe Capital: A merchant-friendly cash advance model built to improve capital access for SMBs

Why Pipe? See what sets Pipe apart from other embedded finance partners

Why SOC 2 Compliance is a Must-Have for Your Capital Partner

3 steps to embed financing into your product or service

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Product

Pipe Capital: A merchant-friendly cash advance model built to improve capital access for SMBs

Why Pipe? See what sets Pipe apart from other embedded finance partners

Why SOC 2 Compliance is a Must-Have for Your Capital Partner

3 steps to embed financing into your product or service

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