For Platforms

Launch White-Label Financing in Weeks, Not Years

Offer embedded capital to your merchants under your own brand without becoming a lender. RiseFi handles underwriting, funding, servicing, and collections.

Platform infrastructure

LIVE

Integration Status

API connected
White-label configured
Underwriting active
Funding enabled
Launch time2-4 weeks
Your effortMinimal

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Why Embedded Financing

Why platforms embed financing

Platform Dashboard with Embedded Financing

Increase merchant lifetime value

Merchants with access to capital stay on your platform longer, transact more frequently, and upgrade to higher tiers. Embedded financing directly correlates with increased LTV across every cohort.

Reduce churn during cash flow crunches

The number one reason merchants leave platforms is cash flow stress. When they cannot afford your fees or need to consolidate tools, they churn. Capital keeps them liquid and active.

Create a new high-margin revenue stream

Revenue participation from financing can exceed platform subscription fees. You earn a share of financing economics without building or operating lending infrastructure.

Integration Options

Three ways to integrate

Choose the integration path that fits your technical resources and timeline.

OPTION 1

API Integration

Full programmatic control over offers, onboarding, and repayment. Best for platforms with engineering resources that want deep customization and real-time sync.

OPTION 2

Webhooks and Event Streams

Push merchant data via webhooks as events occur. RiseFi handles the rest. Minimal integration with full automation. Best for fast time-to-market.

OPTION 3

Flat File Sync

Daily or weekly batch uploads of sales data. No API required. Best for platforms without eng resources or testing financing before full integration.

API Integration
Revenue Participation

Earn revenue from every dollar funded

Platforms earn a share of financing economics without taking on lending risk. Revenue participation models vary based on partnership structure, merchant volume, and product mix.

Referral model

Earn a percentage of interest and fees from merchants you refer. No balance sheet risk. Simple rev share.

White-label model

Offer financing under your brand with deeper revenue participation. Higher margins in exchange for merchant relationships.

Risk-sharing model

Participate in underwriting decisions and share in both upside and downside. Highest revenue potential for platforms with strong merchant insights.

Revenue Participation Model
Compliance and Regulatory Coverage

RiseFi holds the licenses, not you

You do not need to become a bank. RiseFi operates as the lender of record and holds all required state and federal licenses. We handle compliance, regulatory reporting, and legal requirements.

Your platform remains focused on what you do best while we manage the regulatory burden of lending.

What RiseFi covers

State lending licenses held by RiseFi
Federal compliance monitoring and reporting
CFPB and UDAAP adherence
Know Your Customer (KYC) and anti-money laundering (AML) protocols
Data privacy and security (SOC 2 Type II certified)
Fair lending practices and non-discriminatory underwriting

Your team stays lean. No compliance officers. No legal teams dedicated to lending. No regulatory filings. We handle it all.

Case Studies

Results from similar platforms

E-commerce SaaS Platform

Multi-channel retail

23% reduction in churn, 15% increase in ARPU

"Financing became our second-highest revenue driver within six months. Merchants who access capital spend 40% more on platform fees."

Marketplace Platform

B2B wholesale

35% of merchants funded, 12% merchant LTV increase

"We were losing merchants to cash flow issues. Now financing is a core retention tool. Merchants see us as a true growth partner."

Vertical SaaS

Service-based businesses

Launched in 3 weeks, $2M funded in first 90 days

"Integration was shockingly easy. RiseFi handled everything. Our team spent maybe 20 hours total on implementation."

Book a demo

Schedule a Demo
With the Founding Team

Learn how you can embed financing directly into your merchant's workflows, helping them access the capital they need to grow.

Offer up to $750K in fast, flexible funding for your merchants. RiseFi makes it easy for platforms to offer and participate in financing, helping merchants access the capital they need to grow.

Schedule your demo