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Embedded Lending

architecture for India!
Offer quick credit to your customers by

embedding lending

into your platform. Go live in 2 weeks with powerful APIs.

Customized Credit Offerings

Diverse Loan Products

End to end Customer Experience

Instant Credit Extension

Contact Sales
flow one

What is Embedded Lending?

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

Embedded lending allows businesses (like you!) 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.


Why Choose Cashfree Payments?

Automate loan disbursals through low-code yet powerful APIs. Offer personal loans, business loans, short term loans and credit lines with minimal tech and operational effort.

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

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

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

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

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

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

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.


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.



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

we support

We offer custom-tailored lending products as well. Reach out to us to learn more.

Embedded Lending in 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.


Simple integration

Embedded Lending APIs

: Simplified and tailored for you

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

Detailed documentation and strong technical support

Fast Go-To-Market

Robust APIs

Available in different programming languages

Flexible designs

Customized API-driven solutions

SDK solution available for quick integration

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Frequently Asked Questions

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

Embedded lending can help you:

1 .Offer higher customer satisfaction

2. Access higher revenue margins

3. Retain customers and build loyalty

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

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

There are two kinds of integrations offered by Cashfree Payments:

1. Native journey- Here, the UI is completely built by you and and Cashfree Payments APIs are used to create the loan journey. This tentatively takes ~ 2-3 weeks of development effort.

2. 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.

Have more questions?

Visit our support page
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Ready to get started?

Collect customer payments, make payouts, manage international payments and so much more! Create your account or contact our experts to explore custom solutions.

  • Easy onboarding

  • Dedicated account manager

  • API access

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