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.

Book a 30 mins demo call with Softloans
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.
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.
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.
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.
- Mats Taraldsson, Deputy General Manager, Mastercard -
Merchants return for additional financing
Average merchant revenue growth after financing
More revenue per merchant for partners
No need to pledge property or assets. Financing is based on your business performance, not tied up in collateral - keeping growth simple and accessible.
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.
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.
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.
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.
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.
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.
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.
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.
To apply for a revenue-based loan merchants are asked to:
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.
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
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