Flexible financing, embedded directly into your platform

Empower your merchants with fast, collateral-free funding. Data-driven, seamless, and built to scale with your platform.

Unlock growth for your platform and your merchants

Outdated financing slows SMEs down. Embedding Softloans removes those barriers - giving businesses the capital to move faster and creating new revenue and loyalty for your platform.

Drive growth

When merchants access fast funding, their sales rise - and so do your transactions. Because repayments flex with revenue, Softloans makes it easy for SMEs to invest and for your platform to grow.

Boost loyalty

Solving a critical pain point - access to growth capital -keeps merchants engaged. Softloans financing builds trust and lasting value, turning your platform into the partner they rely on every time.

Win market share

Embedded financing sets your platform apart. With modern, data-driven funding, you attract more businesses and become the partner they can’t imagine doing business without.

Fast integration

Choose the setup that fits your platform. Go live quickly, deliver seamless funding offers, and track performance with full transparency.

Pick the setup that works best - API, hosted, or referral. Simple and fast setup designed to fit your platform and your merchant needs.

Merchants see offers directly inside your journeys - fully branded as yours, co-branded, or under the Sofltoans brand - you choose.

SMEs repay automatically through revenue share. No friction, no missed payments. Great experience that grows your merchant loyalty.


"Softloans is pushing the boundaries of embedded lending with a solution that makes revenue-based financing simple, accessible, and scalable. By enabling merchants to unlock growth capital without collateral, while helping platforms deepen customer relationships, Softloans is addressing a real need in today’s market."

- Mats Taraldsson, Deputy General Manager, Mastercard -

Proven results

When merchants grow, platforms win. Softloans makes that growth effortless with funding built directly into your journeys.

88%

Merchants return for additional financing

30%

Average merchant revenue growth after financing

+60%

More revenue per merchant for partners

For business owners

Every business begins with ambition. Turning that ambition into growth takes more than hard work - it takes access to capital.

No collateral

No need to pledge property or assets. Financing is based on your business performance, not tied up in collateral - keeping growth simple and accessible.

One clear fee

Simple, transparent pricing. No hidden charges, no surprises - just one clear fee that you know upfront, making it easy to plan and invest with confidence.

No schedules

Repay a percentage of your sales. On slower days, you pay less; on busier days, a little more. Your repayments flex naturally with your business.

Fast & Easy

Apply in 10 minutes. Get an offer within 24 hours, fully online. No paperwork, no waiting - just quick access to the funding you need to move forward.


Frequently asked questions

What is Softloans?

Softloans is a fintech creating embedded lending technological solutions that help partners offer financing products to their merchants. We are here to change the way lending to SMEs work and do that through data and technology.

How revenue-based financing differs from regular lending?

Revenue-based fianncing is all about working together with the business and adapting to the fluctuations any business experiences. Instead of a fixed repayment schedule, an agreed percentage of incoming revenue is automatically used for loan repayment. If sales decline, the repayments slow down.

Another important characteristic - interest fees are replaced by a clear one time loan fee. This provides businesses with the clarity about the cost of money.

What is the cost of capital?

Softloans charge a fixed commission that starts from 8%.

There is no interest. There are no hidden fees. And there are no collateral requirements.

The percentage of sales for repayments are established based on the performance data of the specific business.

How does a partner platform benefit from embedding the Softloans solution?

Direct financial benefit - Softloans shares the commission paid by the merchant with the partner. That is a completely new steady revenue stream available to you right now with no product development costs.

Indirect benefits - workign capital helps your merchants grow and leads to increased business with you, increases your customer loyalty, and grows customer satisfaction.

How much integration is required to embed Softloans into your system?

It can be as simple as a link to a stand-alone Softloans platform or fully embedded solution into your platform. In any case, Softloans will cover the full engagement process from application to collection.

How do merchants apply for financing?

To apply for a revenue-based loan merchants are asked to:

  • provide Softloans with safe access to their revenue and marketing data through easy integrations with the platforms they use.
  • go through KYB/KYC processes.
How much time does it take to get an offer for financing?

A merchant receives an offer in 24 hours.
Where the partner has access to the historic revenue data for the merchant, pre-approved offers can be created proactivelly.

What countries do you cover for bank statement analysis?

For bank statement analysis we cover 2500+ banks in 30+ countries:

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom

Connect

We can help

  1. Benefit from lending that your customers need
  2. Upgrade your customers to a premium service
  3. Increase your customer loyalty

Get in touch

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