# Embedded Lending Platform for Payment Companies and Platforms
timveroOS lets payment companies and platforms run merchant financing on their own payment data, with their own offers, pricing and margin. Your first product goes live in 3 weeks, each next credit product in 1 week, and changes to an existing product take days.
**Key numbers:** 20 lending products live · 13+ countries · 3 wks to the first product live · 5.0 ★ rating on Capterra
[Plan Your Capital Program](https://timvero.com/request-a-demo) · [Start a timveroProof Pilot](https://timvero.com/proof)
> Embedded lending platform for payment companies: merchant financing on your own data, offers and margin you control. First product live in 3 weeks.
## In production since 2024 with lenders across 13+ countries
AMIO Bank, Cartiga, Finom, GoGoProp, Aizdevums.lv Bank, Plumery, SaaScada, GF Bankas, Sumsub
## What Embedded Lending Is and How It Works
Embedded lending puts credit directly inside the platforms merchants already use, turning daily payment flows into instant financing and automated repayments. The underlying software manages data, decisions, contracts, and servicing across four core roles:
### The Platform
Owns the merchant relationship and the data, and places the offer in its product.
### The Lending Software
Runs the credit process from application to repayment.
### The Capital
Comes from the platform’s balance sheet, a funding facility or a capital partner.
### The Licence Holder
Extends the credit: the platform itself, a partner bank or a lender of record.
## Embedded Lending, White Label Lending and Capital Partners: What You Control in Each
A capital partner program starts quickly and suits a test. Once financing becomes a revenue line, control over offers, data and margin decides the economics. Compare the technical options in our guide to embedded lending APIs.
| | Capital Partner Program | Vendor-Hosted White Label Platform | Embedded Lending on timveroOS |
|---|---|---|---|
| Who Sets Offers and Pricing | The partner | You, within the vendor’s product options | You, with rules and pricing you change in days |
| Whose Data Drives Decisions | Mostly the partner’s model | Your data, mapped to the vendor’s schema | Your settlement and account data, in your own data model |
| Who Keeps the Margin | Shared, partner-led | You, minus platform fees | You |
| Where the Software Runs | Partner systems | Vendor cloud | Your cloud or data centre, single-tenant |
| Who Owns the Code and Configuration | The partner | The vendor | You, in your own repository |
| Capital | Partner balance sheet | Yours or a funder’s | Yours or a funder’s |
## Why Payment Companies Take Merchant Financing In-House
### Partners Dictate Terms and Keep the Margin
Partner programs enforce third-party credit rules and take the upside. On timveroOS, your team sets eligibility, pricing, and limits directly.
### Sales Drop and Operations Hear Late
When merchant processing volume falls, repayments shrink unnoticed. timveroOS recalculates loans nightly and flags metric breaches automatically.
### Lending Drains Core Engineering Capacity
Building in-house diverts developers from payments. timveroOS provides pre-built logic, while timveroAI drafts custom rules for your team to approve.
## Merchant Financing on Your Own Payment Data
Your processing and settlement history shows how each merchant trades, day by day. timveroOS turns it into decisions and offers.
Typical products: merchant cash advances, revenue-based financing, short-term working capital loans and B2B pay-later for your merchants’ buyers.
### 1. Data
Settlement, chargeback and account data from your systems flows in through the API or an external call, together with KYB, bureau and open-banking data. The Feature Store maps it into named, versioned features.
### 2. Decisions
Eligibility, limits and risk grades run as approved rules in the Decision Engine. Your risk team changes them and activates a new version without a software release. See credit decisioning.
### 3. Offers
An offer engine prices each product variant against the merchant’s profile, so merchants can see offers based on their own payment history before they apply. Offer scripts are versioned and can be dry-run before a change goes live.
### 4. Your Channel
timveroOS is headless. Your merchant dashboard or app calls the API, shows the steps available right now and keeps your brand on every screen. The same process runs in the back office for your credit team.
## Repayment From Card Sales and Servicing
### Repayment Rules per Product
Each product declares how it is repaid, such as a share of each settlement or fixed daily or weekly debits, and the order in which payments cover fees, interest and principal.
### Payments With a Full State History
Every money movement passes through the payment framework with its own status, from submitted to succeeded, failed or returned, and lands on the loan ledger.
### Nightly Recalculation
The servicing engine replays each loan’s operations into dated balances, so every balance can be traced to the payments behind it.
### Early Warning
Scheduled metrics and checks run on each loan and merchant, and a breach of the thresholds you set opens a case for your team.
### Collections
Past-due rules, notifications and collection cadences are configured per product. Read more about loan servicing.
## Loan-Level Data for Funders and Warehouse Lines
A growing book needs funding, and funders ask for loan-level data. Every loan in timveroOS keeps an append-only ledger of operations and dated balances, so the numbers in a funder report trace back to individual payments. Embedded BI dashboards are set up per role, including one for your capital and treasury team.
## Launch Your Capital Program in Weeks
Tested building blocks handle accruals, schedules, and accounting, while timveroAI drafts custom logic for your team to approve. Extend timveroOS via the Java SDK or let our team build for you, keeping full code and configuration in your own repository.
**Key numbers:** 3 wks First Credit Product Live · 1 wk Each Next Credit Product · Days To Change an Existing Product
## Licensing Models and Where timveroOS Runs
Payment companies launch merchant financing under one of three models. TIMVERO provides the software layer in each model. TIMVERO is neither the lender nor the capital provider, and the licensing choice stays with you and your legal advisers.
### Your Own Licence
You lend from your balance sheet or a funding facility under a lending licence, or a payment licence where local rules allow credit linked to payment services.
### A Partner Bank
The bank extends the credit and you run the program and the merchant relationship.
### A Lender of Record
A licensed lender holds the loans and you originate and service them on its behalf.
timveroOS runs single-tenant in your own cloud (AWS, Azure or Google Cloud) or on premises, with an isolated database, upgrades on your schedule and merchant data in your jurisdiction. ISO 27001 and SOC 2 certification are in progress. See security at TIMVERO.
## Embedded Credit Already Running on timveroOS
Finom: a European fintech launched a multi-country SME credit product with 80% of the lending infrastructure ready to use.
### Finom: Multi-Country SME Credit Inside a European Fintech
- **80%** — Of Lending Infrastructure Ready to Use
> Today, we’re running proactive credit campaigns and sophisticated servicing operations on a single platform. timveroOS delivered a competitive advantage under impossible deadlines.
— **Alex Goncharenko**, Head of Credit, Finom
[Read the Finom Story](https://timvero.com/success-stories/finom)
## Pricing and a Pilot on Your Own Settlement Data
### Pricing That Grows With Your Portfolio
*From $5,900/month*
Subscription tiered to the size of your loan portfolio, unlimited users.
### Test a Merchant Financing Offer on Your Own Data
*timveroProof, live in 1–2 weeks*
Configure your lending logic and test your KPIs on real products using historical settlement data before committing to a contract.
## Frequently Asked Questions About Embedded Lending
### What is an embedded lending platform?
An embedded lending platform is software that lets a payment company or platform offer credit inside its own product. It collects the data, decides, prices offers, issues contracts, takes repayments and runs collections. timveroOS does this in the platform’s own environment, with offers, pricing and margin set by the platform.
### What is the difference between embedded lending and embedded finance?
Embedded finance covers any financial service inside a non-financial product: payments, accounts, cards, insurance and credit. Embedded lending is the credit part of it. A payment company already runs embedded payments, so embedded lending adds financing for the merchants it already serves.
### Do we need a lending licence to offer merchant financing?
It depends on the market and the product. Payment companies lend under their own licence, through a partner bank or through a lender of record. timveroOS runs the program in all three models. TIMVERO is the software provider, so the licensing decision stays with you and your legal advisers.
### Can we use our own settlement data to decide and price offers?
Yes. Settlement, chargeback and account data from your systems is mapped into versioned features that the Decision Engine and offer engine use directly. Your risk team sets eligibility, limits and pricing as rules and changes them in days without a software release.
### How is repayment from card sales handled?
Each product declares its repayment rules, such as a share of each settlement or fixed daily or weekly debits. Every payment passes through the payment framework and lands on the loan ledger, loans are recalculated nightly, and scheduled checks flag merchants whose payments fall below the thresholds you set.
### How long does it take to launch a merchant financing program?
Your first product goes live in 3 weeks, each next credit product in 1 week, and changes to an existing product take days. A timveroProof pilot can run your merchant offers on historical data within 1–2 weeks before you commit.
### White label lending platform or capital partner: which fits a payment company?
A capital partner suits a quick test, because the partner brings the credit model and the money. A program you run yourself suits a payment company that wants to set its own offers, keep the margin and use its own data. timveroOS supports the second model with your own capital, a funding facility or a partner bank.
### Is timveroOS a lending-as-a-service provider?
timveroOS is lending software you license and run in your own environment. TIMVERO does not lend or provide capital. You get the full lending lifecycle, from origination and decisioning to servicing and collections, with the code and configuration in your own repository.
[Talk to Us](https://timvero.com/request-a-demo)
## Plan Your Capital Program With Us
Tell us about your merchants, your data and your licensing model, and we will show how the first financing product runs on timveroOS.
[Talk to Us](https://timvero.com/request-a-demo) · [Start a timveroProof Pilot](https://timvero.com/proof)
---
Source: https://timvero.com/embedded-lending-platform
Last updated: 2026-11-12