The solution is a collaboration between Froda and VISA® and is offered as a white-label product to banks and fintechs that issue VISA® business cards.
Easy card enrollment- Realtime payouts
- Seamless repayments
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Embedded
Froda Embedded is a white-label SME lending solution that allows partners to offer business loans and similar financing solutions to their clients, fully integrated into their app/web app. We partner with other fintechs, banks, card issuers, payment providers, and other businesses serving SMEs in Europe.
Froda’s regular business loans are offered directly to the end customer – the small businesses. Froda Embedded is our white-label solution where we give partners the opportunity to integrate Froda’s platform and offer financing themselves, under their own brand.
Froda offers embedded lending, card-based embedded lending, and embedded funding. Each caters to specific financial needs.
Embedded Lending allows partners to offer business loans to their clients and share the revenue with Froda. Froda handles everything from loan origination to loan servicing and NPL processes.
Card-Based is available to partners who are Visa business card issuers. It’s essentially the same product as embedded lending, except all the transactions utilize push payment functionality, meaning payouts and repayments go through the end customers Visa card.
Embedded Funding allows partners to build their lending products using Frodas technical platform and balance sheet.
Yes, Froda's solutions allow our partners to incorporate their brand elements for a cohesive and branded financial experience.
Depending on the product, integrating Froda’s APIs is typically a 2-week process for a team of 2 developers. Froda’s tech team will support and guide you through the process. For more details about our APIs, visit our developer portal.
Lending
Embedded Lending allows you to integrate Froda’s lending services directly into your platform or application. Enabling you to offer loans or credit options as a value added service to your customers, seamlessly within your existing platform.
Embedded Lending is integrated into your existing platform or application either. This can be done either by linking to a partner-branded Froda application page, or by using Froda’s APIs to integrate the application and self-service loan handling platform into your customer portal.
Customers can then apply for loans or credit directly through your platform, with Froda handling underwriting, approval, disbursement, repayments and everything else connected to the lending process.
Embedded Lending is beneficial for businesses looking to enhance their customer experience by offering easy and automated financing options without the hassle of the traditional loan processes. It's particularly useful for software service providers, banks and payment providers.
Card-Based is ideal for debit card issuers and financial institutions looking to offer additional lending options to their customers.
Embedded Funding is ideal for businesses with a niche financing offering. For example BNPL providers, invoice financiers among others.
Nothing. You have the distribution channel and we have the product. Froda generates interest income on the loans originated via Embedded partnerships. This revenue is then shared with our partners.
It depends on the integration. Integrating Froda’s APIs is typically a 2-week process for a team of 2 developers. Froda’s tech team will support and guide you through the process. For more details about our APIs, visit our developer portal.
Card-Based
Embedded Lending is beneficial for businesses looking to enhance their customer experience by offering easy and automated financing options without the hassle of the traditional loan processes. It's particularly useful for software service providers, banks and payment providers.
Card-Based is ideal for debit card issuers and financial institutions looking to offer additional lending options to their customers.
Embedded Funding is ideal for businesses with a niche financing offering. For example BNPL providers, invoice financiers among others.
Card-Based is essentially our regular embedded lending solution, except it's even faster, more convenient and works in virtually all markets. Card-Based is offered to partners who are Visa business card providers.
With Card-Based we leverabe card rails, push-payment functionality and Visa’s extensive card infrastructure to push payouts and pull repayments instantly through the end customer’s Visa business card.
Nothing, you have the distribution channel and we have the product. Froda generates interest income on the loans originated via embedded partnerships. This revenue is then shared with our partners. Card-Based also generates interchange income for partners that are card issuers.
Integrating Froda’s APIs is typically a 2-week process for a team of 2 developers. Froda’s tech team will support and guide you through the process. For more details about our APIs, visit our developer portal.
Funding
Embedded Lending is beneficial for businesses looking to enhance their customer experience by offering easy and automated financing options without the hassle of the traditional loan processes. It's particularly useful for software service providers, banks and payment providers.
Card-Based is ideal for debit card issuers and financial institutions looking to offer additional lending options to their customers.
Embedded Funding is ideal for businesses with a niche financing offering. For example BNPL providers, invoice financiers among others.
Embedded Funding is Froda’s solution where partners can build their own custom financing offering on our funding.
Together with the partner, we build a custom credit model, utilizing a combination of the partner’s data sources and Froda’s in order to create as comprehensive and accurate of a credit model as possible. The partner is in full control of the customer journey and handles all the KYC and identification processes as well as managing the credit risk. When applications are made, our system evaluates and responds to them within 24 h and Froda’s public deposit funding is then accessed through API endpoints to perform withdrawals.
Nothing. You have the distribution channel and we have the product. Froda generates interest income on the loans originated via embedded partnerships. This revenue is then shared with our partners.
Integrating Froda’s APIs is typically a 2-week process for a team of 2 developers. Froda’s tech team will support and guide you through the process. For more details about our APIs, visit our developer portal.
Implementation
You can access the developer portal here.
