Case 004 · Financial Institutions · Embedded Finance
How We Built a Configurable Embedded Finance Platform That Goes Live With a New Partner Every Week
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 Brief
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.
Why They Chose Solprime
Three reasons.
Platform-first thinking, not project-first.
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.
They needed AI-native document handling from day one.
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.
They needed someone who would stay.
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.
What We Built
A six-layer configurable embedded finance platform.
Embedded Checkout SDK
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.
Partner Credit Management Console
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.
Configurable Credit + Workflow Engine
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.
AI-Native Underwriting Layer
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.
Internal Loan Management System
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.
Loan Accounting + Delinquency Management
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.
The Stack
Next.js, React, TypeScript, Tailwind
iframe + postMessage, white-labeled per partner
Node.js, PostgreSQL, Redis
Temporal-style orchestration, JSON-configurable rules
Claude (document extraction), OpenAI (underwriting narrative)
KYC providers, payment gateways, credit bureaus, accounting systems
PostgreSQL with double-entry accounting model
AWS (EKS, RDS, S3, CloudFront, WAF), SOC2-aligned logging
How the 14 Weeks Looked
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.
Scope & architecture
Configurability model, multi-tenancy design, partner data isolation, SOW signed
Core platform
Credit engine, workflow engine, double-entry ledger, KYC + payment integrations
Partner-facing surfaces
Embedded SDK, partner credit console, white-label theming
Internal LMS + accounting
Disbursements, repayments, restructuring, double-entry accounting
Delinquency + collections
Bucket-wise delinquency, configurable collections workflows, SLA tracking
Production launch
First two B2B partners live; provisioning runbook documented
The Outcomes
Numbers from the first months of live operation. Every figure below reflects real loan activity on the production platform.
Capacity to onboard up to 3 new B2B partners per week, down from 6–8 weeks per partner pre-platform. Provisioning a new B2B platform partner is now a runbook, not a project.
End-to-end loan processing, from application to disbursement, versus the previous workflow. The configurable credit engine and AI underwriting layer eliminated manual document review at scale.
Loan AUM managed on the platform within the first months of operation. The infrastructure scaled without architectural changes, adding a new partner adds a new dataset, not a new codebase.
Fully configurable, credit policies, document requirements, and workflows changeable by the credit team without engineering involvement. Configuration changes go live the same day.
Zero manual reconciliation errors, full double-entry ledger with automated audit trail. Every loan event generates a corresponding accounting entry automatically.
Why This Matters
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.
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