.jpg)
As a platform, offering embedded lending to your business customers might seem straightforward: place a button in your interface, let users apply for funding, and voilà: capital flows. But what happens behind that button? Embedded Lending is like an iceberg. What your customers and even your teams see on the surface, fast approvals, seamless UX, and instant decisions, is only a small part of what makes it work. Beneath the surface, there's an entire system of complexity that needs to run smoothly to make that simplicity possible. That’s where Banxware comes in.
Above the surface: seamless lending
The magic of Embedded Lending is in its invisibility. Your customers see a financing offer that feels native to your platform.
With Banxware's embedded lending solution, you can offer:
Sofortfinanzierung: Digital business loans from €1,000 to €250,000. Fully online, fast approval, and usually paid out within 24 hours with one transparent fee.
HVB FlexFinanzierung: Credit lines from €250,000 to €5 million. Ideal for long-term investments, with flexible drawdown and repayment options.
Your platform becomes a one-stop solution for your customers. And all they ever see is the surface.
Below the surface: what Banxware handles
While you focus on earning your customers’ loyalty and a comission, Banxware quietly powers the financing engine in the background.
"Platforms shouldn’t have to become lenders to enable lending. Our role is to make the complex infrastructure behind the scenes invisible, while delivering complete control and insight to our partners."
- Joao Freitas, Chief Product Officer at Banxware
Here's what we take care of, so you don’t have to:
You want to grow your platform, serve your customers, and add value to your platform. Banxware enables you to do just that, while we handle what would otherwise require a team of underwriters, lawyers, and compliance experts.
.png)
Conclusion
Embedded Lending has made financing feel effortless: for platforms and their business customers alike. A few clicks, fast approval, capital in the account. But behind that simplicity is a powerful system doing the heavy lifting.
At Banxware, we build and operate that system. With every step forward, AI-driven credit decisions, smarter risk models, and new products like HVB FlexFinanzierung, we’re making complex financial processes feel seamless.
We believe platforms should be able to offer real financial value without becoming financial institutions.
You create great user experiences on the surface. We make sure everything underneath works.
.png)
