Embedded Lending
Offer credit at the point of need inside your platform — financing, working capital and BNPL through lending partners.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Embedded Finance, BaaS & Open Banking
Engagement
Project · Team · Managed
Overview
Embedded lending places credit exactly where it is useful: working capital inside a merchant platform, equipment financing at checkout, invoice financing inside an accounting tool. We build embedded lending experiences that use platform data (with consent) to pre-qualify customers, integrate lending partners' decisioning, and manage offers, drawdowns and repayments inside the host product.
Common use cases
- Merchant cash advanceFinancing repaid from future sales.
- Working capital linesCredit lines for platform businesses.
- Point-of-sale financingInstalment plans at checkout.
- Invoice financingAdvances against outstanding invoices.
Quick answers
Embedded Lending at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is embedded lending?
- Offer credit at the point of need inside your platform — financing, working capital and BNPL through lending partners.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Data-driven pre-qualification
- Lender integration
- Offer management
- Repayment integration
- Servicing
- Portfolio analytics
- Which technologies are used?
- Open Banking APIs, OpenAPI, OAuth 2.0 & OIDC, Double-Entry Ledgers, Node.js, Go (Golang) — chosen to fit your stack and constraints.
- How does the process work?
- Use-case design → Partner selection support → API layer build → Embedded experience → Operate.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Data-driven pre-qualification
Consent-based use of platform data.
Lender integration
Decisioning and funding via lending partners.
Offer management
Personalised, compliant offer presentation.
Repayment integration
Automatic repayments from platform revenues.
Servicing
Balances, statements and early repayment.
Portfolio analytics
Performance tracking for platform and lender.
Architecture
Engineered right from day one
The layers we typically design for embedded finance, BaaS & open banking, adapted to your stack and partners.
- Unified APIOne internal API over multiple partners simplifies product teams' work.
- Consent & data rightsOpen banking consent captured, stored and revocable.
- Clear responsibilityLicensed partners' obligations reflected in flows and data handling.
- Developer experienceSandbox, documentation and SDKs for internal and external developers.
Delivery
How an engagement runs
- 1
Use-case design
Which financial features, for which users, and how they create value in the host product.
- 2
Partner selection support
Technical evaluation of BaaS, processor and data-aggregation partners.
- 3
API layer build
Unified financial APIs over partners, with webhooks and sandbox.
- 4
Embedded experience
Components and flows that match the host product's design.
- 5
Operate
Monitoring, reconciliation and partner reporting.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreShivacha Digital Wallet
Stored-value wallets with top-ups, P2P, payments and rewards.
Learn moreShivacha Payment Gateway
A white-label payment gateway with hosted checkout, tokenisation and multi-acquirer connectivity.
Learn moreRelated services
Often combined with
Lending Platform Development
End-to-end lending platforms: origination, decisioning, disbursement, servicing, collections and loan accounting.
Learn moreBNPL Platform Development
Buy now, pay later platforms: checkout integration, instant decisions, instalment plans, merchant settlement and collections.
Learn moreBanking API Development
Banking APIs for accounts, payments, cards and data — secure, versioned and documented for partners and internal teams.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
Who carries the credit risk?
It depends on the model — the lending partner, the platform, or shared. Structure and risk allocation are business and legal decisions.
Can platform data improve credit decisions?
Often yes. Transaction and operational data can complement bureau data, subject to consent and fair-lending requirements.
What is the difference between BaaS and embedded finance?
Banking-as-a-Service is the infrastructure — licensed banks exposing services through APIs. Embedded finance is the product outcome — a non-financial company offering those services inside its own experience. We build both sides.
Do you support open banking in multiple regions?
We integrate with open banking APIs and aggregators across regions. Coverage depends on the aggregator and the region's standards.
Next step
Discuss Your FinTech Product.
Tell us about your embedded lending requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.