April 24, 2025
In today’s fast-paced payments landscape, businesses require more than just seamless transaction processing—they need access to flexible funding solutions that support their growth. That’s why Cardstream, the leading Open Payment Network, is offering embedded lending solutions that provide Merchants with fast, accessible, and revenue-based funding.
This innovative approach enables businesses to secure capital quickly, directly through their payment provider, without the complexities associated with traditional lending. Let’s explore how this benefits Merchants, Payment Service Providers (PSPs), and Independent Sales Organisations (ISOs).
What is Embedded Lending?
Embedded lending is the seamless integration of financing solutions within the platforms that businesses already use. Instead of applying for a traditional bank loan with long approval times and rigid repayment terms, businesses can now access funding directly through their payment provider—quickly and efficiently.
With Cardstream’s embedded lending solution, Merchants gain access to fast, flexible funding tailored to their transaction volumes, making it easier to invest in growth while maintaining healthy cash flow.
How Cardstream’s Embedded Lending Solution Supports Business Growth
1. Revenue-Based Repayments
Unlike traditional loans that require fixed monthly repayments, Cardstream’s embedded lending solution offers funding with repayments based on a percentage of daily sales. This means businesses repay more when sales are strong and less during slower periods, easing financial pressure.
2. Fast and Accessible Capital
Merchants can access funding in as little as 24 hours through a simple and streamlined approval process. By leveraging transaction data, eligibility can be quickly assessed, eliminating the need for extensive paperwork and credit checks.
3. A Seamless Embedded Experience
Because this solution is fully integrated into Cardstream’s Open Payment Network, Merchants can access funding directly through their existing payment provider. There’s no need to switch platforms or complete separate applications, making the process frictionless.
4. Growth Opportunities for PSPs and ISOs
Beyond benefiting Merchants, embedded lending also creates new revenue streams for PSPs, ISOs, and other partners in the payments ecosystem. By offering fast and flexible funding, they can increase Merchant retention, enhance their service offerings, and drive more transactions.
The Future of Payments and Lending
Businesses today expect more from their payment providers—not just transaction processing but financial tools that enable them to grow. By integrating embedded lending into its ecosystem, Cardstream is ensuring that Merchants have access to the capital they need, when they need it, without unnecessary delays or complexity.
Discover how Cardstream’s embedded lending solution can accelerate your business growth. Contact us today: sales@cardstream.com
