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Lending Briefing: Embedded lending in a platform economy and Square dominating SMB financing

  • Embedded lending is the natural next step in a platform economy.
  • Also, it looks like Square has become one of the largest SMB lenders in the US.
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Lending Briefing: Embedded lending in a platform economy and Square dominating SMB financing

Embedded lending is claiming its space in a platform economy

Lending is a complex process. It requires a sophisticated infrastructure, tech stack and scale, factors that have historically deterred companies outside the financial industry from developing such capabilities. 

But changing market dynamics coupled with evolving consumer demands have allowed for a new business model to arise – embedded lending – which allows companies in any industry to integrate credit products to complement their existing services.

 


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