Payomatix
Back to Blog
BaaS

Embedded Lending: How BaaS Powers Credit Inside Any App

Payomatix TeamApril 25, 20256 min read

The Embedded Lending Wave

From Shopify Capital to Uber Pro, the most successful platforms now offer credit inside the workflow. Conversion rates are 5–10x higher than redirecting users to a third-party lender.

What BaaS Provides

  • Underwriting APIs powered by transaction data.
  • Loan origination and servicing infrastructure.
  • Capital sourcing through partner banks.
  • Collections and reporting tooling.

    • The Data Advantage

    Platforms have unique data — sales velocity, settlement history, customer cohort behavior — that traditional lenders never see. Embedded lending turns that data into underwriting alpha.

    Payomatix Lending Rails

    Plug-in modules for BNPL at checkout, working-capital loans for marketplace sellers, and salary advances for gig platforms.

    Ready to level up payments?

    Talk to our team about how Payomatix can help your business.

    Get in Touch

    More on BaaS