A leading institutional financial institution came to us with a single mandate: stop building embedded B2B lending point-to-point. Build the platform once, plug any partner in, and run it as infrastructure. Fourteen weeks later, they were live across multiple B2B platforms — managing $40M+ in loan AUM.
The client is an institutional financial institution that had partnered with several B2B platforms to offer embedded financing — credit lines, BNPL, and invoice-financing — to the end customers of those platforms.
The problem: every new B2B partner required a 6–8 week custom integration. A custom KYC flow. A custom underwriting logic. A custom payments rail. A custom loan management view. The team had built four versions of the same platform, none of them reusable.
They needed something nobody else had built: a single, configurable embedded finance platform that could onboard a new B2B partner in days, not months — and run the full loan lifecycle for that partner end to end.
Three reasons.
Most agencies they spoke to scoped this as five separate products and a 9-month timeline. We scoped it as one configurable platform with five surfaces — and a 14-week timeline.
KYC documents, financial statements, GST returns, bureau reports — every B2B partner sends them in a different format. We architected the AI layer in week one, not as a feature.
This wasn’t a build-and-leave platform — it was infrastructure that would run their lending business for years. Our Build & Run model meant we’d operate it under SLA after launch, not hand it off and disappear.
A six-layer configurable embedded finance platform.
A drop-in JavaScript SDK that any B2B platform can embed in 1–2 days. Handles borrower onboarding, KYC capture, credit limit display, and disbursement flow — all branded to the partner, all running on the client’s infrastructure.
A multi-tenant console where each B2B platform partner can see their own borrower book, set credit policies, view delinquency, and manage exceptions — without seeing any other partner’s data.
The heart of the platform. A rules engine where the credit team can configure underwriting policies, document requirements, approval workflows, and exception paths per partner — no code changes, no engineering bottleneck. Configuration changes go live the same day.
LLM-powered extraction of KYC docs, financial statements, and bureau reports — using Claude for structured extraction and OpenAI for narrative summarization. The credit team sees a one-page underwriting brief instead of a 40-page document pile.
A full LMS — disbursements, repayments, restructuring, write-offs — with a double-entry ledger and audit trail. Sales, ops, and credit teams operate from a single source of truth.
Automated accounting entries for every loan event, automated bucket-wise delinquency reporting, and a configurable collections workflow with SLA tracking per partner.
Plus end-to-end integrations: KYC providers, payment providers (collections + disbursements), credit bureaus, and the client’s accounting stack.
| Layer | Tech |
|---|---|
| Frontend (consoles + SDK) | Next.js, React, TypeScript, Tailwind |
| Embedded SDK architecture | iframe + postMessage, white-labeled per partner |
| Backend | Node.js, PostgreSQL, Redis |
| Workflow / rules engine | Temporal-style orchestration, JSON-configurable rules |
| AI layer | Claude (document extraction), OpenAI (underwriting narrative) |
| Integrations | KYC providers, payment gateways, credit bureaus, accounting systems |
| Ledger | PostgreSQL with double-entry accounting model |
| Infra | AWS (EKS, RDS, S3, CloudFront, WAF), SOC2-aligned logging |
Fourteen weeks, six phases. Full visibility at every gate — the client’s credit and ops teams could see working software at the end of every phase, not slides.
| Phase | Weeks | Focus |
|---|---|---|
| Scope & architecture | 1–2 | Configurability model, multi-tenancy design, partner data isolation, SOW signed |
| Core platform | 3–5 | Credit engine, workflow engine, double-entry ledger, KYC + payment integrations |
| Partner-facing surfaces | 6–8 | Embedded SDK, partner credit console, white-label theming |
| Internal LMS + accounting | 9–11 | Disbursements, repayments, restructuring, double-entry accounting |
| Delinquency + collections | 12–13 | Bucket-wise delinquency, configurable collections workflows, SLA tracking |
| Production launch | 14 | First two B2B partners live; provisioning runbook documented |
Numbers from the first months of live operation. Every figure below reflects real loan activity on the production platform.
Embedded finance is the most ambitious fintech bet most B2B platforms make — and the one most institutional lenders fail to execute well, because every partner gets rebuilt from scratch.
This platform inverted that model. The client now sells “embedded finance as infrastructure” to B2B platforms — and competes on go-live speed and configurability, not just credit pricing.
That’s the difference between being a lender and being lending infrastructure.
We work with 4–6 clients at a time. If your engagement passes our scoping call, we’ll lock the scope and a fixed fee in 48 hours.