Embedded Lending

Offer quick credit to your customers by embedding lending into your platform. Go live in 2 weeks with powerful APIs.

Overview

Embedded Lending by Cashfree Payments provides businesses with the ability to offer credit services directly within their website or app seamlessly. Key features include:

Customized Credit Offerings: Tailor credit to meet specific user needs
Diverse Loan Products: Multiple lending product types available
End to End Customer Experience: Complete control over the customer journey
Instant Credit Extension: Quick credit approval and disbursement

What is Embedded Lending?

Embedded lending allows businesses to offer credit services that are embedded within your website or app seamlessly. Your users don't need to redirect to third-party banks or NBFCs to avail credit. Instead, your customers can avail the required capital within a few clicks. The credit offering is showcased to them at the appropriate stage in user journey resulting in higher conversions.

Help your partners grow faster with instant credit on your platform.

Key Benefits and Features

Instant Go Live. Quick On Its Feet

End to End API stack and white-labelled UI available for fast integration with your interface.

Personalize Credit Offerings

Tailor the credit offerings to meet your users' specific needs. Be it ₹1,000 or ₹10 Lakh+.

End to End Ownership of Customer Experience

Get complete visibility of the funnel through CRM with zero redirections to any third parties.

Competitive Pricing

Help your users avail loans at lowest interest rates and minimal processing fees with Cashfree Payments lending partners.

High Approval Rates

Highest approval rates in the industry. Let our advanced machine learning systems do the work.

State of the Class Payments Infrastructure

Power disbursements, repayments and ledger management through Cashfree Payments infrastructure.

Own your Customers' Experience

Get complete visibility of the funnel through CRM with zero redirections to any third parties.

Who Can Use Cashfree Embedded Lending?

Automate your credit disbursals through low-code yet powerful APIs. Cashfree Embedded Lending is designed for various business types:

Expense Management Companies

Allow your customers' employees to avail personal loans or salary advances.

SME Neobanks

Extend credit to your SME base with minimal effort.

Logistics

Finance fuel and vehicle maintenance of your driver partners by providing flexible loans.

B2B E-Commerce

Offer retailers to purchase goods on credit by providing flexible repayment options.

Agri Tech Companies

Enable credit for partner farmers to ensure uninterrupted supply.

Pharma-tech SaaS

Help your pharmacy partners access loans to buy inventory.

Types of Lending Products Supported

Line of Credit

Offer loans with pre-set limit that customers can draw on, when need be.

Term Loan

Offer a fix amount of capital and let customer pay back in installments over the term of the loan.

Supply Chain Financing and Invoice Discounting

Provide working capital credit for your customers through invoice and inventory financing solutions.

Buy Now Pay Later

Enable your customers to buy products/services instantly and pay at a later stage.

Custom-Tailored Lending Products

Cashfree Payments offers custom-tailored lending products as well beyond the standard offerings.

Embedded Lending Process: 5 Simple Steps

Customer Enters Details: Customer enters personal and business details like Name, PAN no, GST no, Business Type etc
Upload Documents: Customer enters loan amount and uploads business documents
Offer Communication: Customer receives notification for the loan eligibility with amount
Repayment Setup: Cashfree Payments will help set up recurring billing for loan repayment
Agreement: Customer signs legal agreement before accessing funds

Embedded Lending APIs

Cashfree Payments' APIs are designed by developers for developers. The aim is to dial down the complexity and fast track your Go-Live.

API Features

Detailed documentation and strong technical support: Comprehensive guides and support resources
Fast Go-To-Market: Quick integration and deployment
Robust APIs: Reliable and scalable API infrastructure
Available in different programming languages: Multi-language support for developer flexibility
Flexible designs: Adaptable to various use cases
Customized API-driven solutions: Tailored to specific business needs
SDK solution available for quick integration: Pre-built SDKs for faster implementation

Integration Options

There are two kinds of integrations offered by Cashfree Payments:

Native journey: The UI is completely built by you and Cashfree Payments APIs are used to create the loan journey. This tentatively takes approximately 2-3 weeks of development effort.
Using Cashfree Payments Plug-n-play solution: Cashfree Payments offers its own UI so you can just integrate 1 simple solution within a matter of 2 days.

Implementation Timeline

Depending on the integration and specific requirements, you can go live from anywhere between 2-6 weeks.

Required Documentation

Bank statement and KYC documents are needed to apply for a loan.

Frequently Asked Questions

What is lending as a service?

Lending as a Service allows service providers like Cashfree Payments to enables businesses extending credit services to their user base.

What are the advantages of embedded lending?

Embedded lending can help you:

Offer higher customer satisfaction
Access higher revenue margins
Retain customers and build loyalty

How long does it take to go-live with Cashfree Payments embedded lending product?