Business Loans
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Embedded partners
Read about our partnerships
Our partners
Worldline
Worldline
Global payments company
Partners since 2017- Merchant cash advance
- Fully integrated
Worldline and Froda have built a successful partnership focused on helping businesses grow by providing easy access to working capital.
Since joining forces in 2017, the two companies have worked closely to integrate payment solutions with tailored loan offerings, enabling merchants to access financing based on their turnover and repayment capacity.
This collaboration led to the launch of Growth Finance – a Merchant Cash Advance solution, where merchants can apply for loans directly through Worldline’s merchant portal and repay it with a deduction from their sales. The tailored loans allow businesses to scale at their own pace, without the usual financial barriers.
“By combining Froda’s financing solutions with Worldline’s payment products, we can offer a comprehensive, customer-centric service,” says Filippa Marklund, Head of strategy and Go to market within Worldline SMB Nordics. “The response from our customers has been overwhelmingly positive, and over 60% of them return to take multiple loans, on average 4.6 times.”
The partnership has proven to be a catalyst for growth. Growth Finance has grown 160% per year, and with Froda’s support, Worldline continues to innovate and make it easier for businesses to thrive. Worldline aims to expand further across Europe, helping even more merchants get access to the financing they need to grow.
Ageras
Ageras
One-stop-shop för företagare
- Card-based
- Omedelbar utbetalning
- Helt integrerad
Ageras and Froda partnered to offer small businesses a seamless, one-stop solution for banking, accounting, and lending.
With 300,000 active customers across Europe, Ageras simplifies business management, allowing users to handle all their financial tasks in one platform.
“We believe in combining banking and accounting to make life easier for small business owners,” says Martin Hegelund, co-founder of Ageras. “Our customers don’t want to deal with complexity—they just want an easy, intuitive interface.”
In partnership with Froda, Ageras introduced a lending product embedded directly into its platform, offering fast, easy access to financing. Initially launched in Germany, the product has been well received, with customers appreciating the quick onboarding and seamless experience.
“Froda and Ageras share a common value of delivering value quickly,” Martin explains. "We went from idea to market in very little time, and the feedback has been fantastic."
By partnering with Froda, Ageras avoids the complexities of lending regulations and capital risk, focusing instead on providing a great user experience. The success in Germany sets the stage for expansion into other markets, delivering even more value to small businesses across Europe.
Lunar
Lunar
100% digital business banking
- Card-based
- Partner since 2023
- Instant payouts
Lunar and Froda have teamed up to offer simpler, more accessible banking and financing for small businesses in Scandinavia.
Lunar, focused on providing easy everyday banking, leverages Froda’s embedded financing to help entrepreneurs access the capital they need, directly within their banking platform.
“We want to make financial management simpler so business owners can focus on growth,” says Mats, Chief Commercial Officer at Lunar. The collaboration addresses the challenge many small businesses face in securing straightforward, fair financing, offering an easy-to-use, seamless experience.
The feedback has been overwhelmingly positive, with customers appreciating the integrated solution that combines banking and financing in one place. “Working with Froda has been fantastic,” Mats adds. “We’re excited to continue growing this partnership and believe other companies can benefit from offering similar financing solutions to small businesses.”
"The card-based lending solution Froda has developed offers something new to the embedded lending ecosystem."
Philip Konopik
Regional Managing Director Nordics & Baltics
Treyd
Worldline
Financing service for supplier invoices
- Embedded funding
- Live in 5 markets
- Repayment through invoice
Treyd and Froda have established a strong collaboration, focused on simplifying inventory financing for physical goods brands.
Treyd enables companies to sell first and pay suppliers later, offering a fast and seamless customer experience through technology.
"Froda was a natural partner for us, with great people and tech," says Peter, co-founder and CEO of Treyd. The partnership allows Treyd to integrate Froda’s financing service through an API, which is essential for creating a smooth, efficient user experience.
The collaboration has been a key factor in Treyd’s scaling, especially with Froda’s role in providing reliable financing and supporting the development of Treyd's product. “Froda’s tech has made our product faster,” Peter explains. “We can now make quicker decisions, which is critical for our customers.”
The implementation process was smooth and efficient, thanks to close collaboration between the two tech teams. “I’d highly recommend Froda, especially for fintechs focused on innovation,” says Peter.
Looking ahead, Treyd plans to continue improving its product, with many updates in the pipeline. The company is building a global funding solution and payment service, which requires seamless integration of APIs, compliance, and other complex systems. Peter emphasizes that working with strong, reliable partners like Froda is essential for success. “Our customers love the speed and flexibility of our product, even if they don’t see the embedded tech behind it,” he concludes.
Waylog
Waylog
From newcomer to financing partner to hundreds of importing companies.
- Embedded funding
- Fully integrated
- Partner since 2022
Contact us
Contact us
Embedded
What is Froda 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.
What is the difference between Froda Embedded and Froda’s regular business loans?
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.
What is the difference between the different embedded offerings?
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.
Can I customize your solutions to my brand?
Yes, Froda's solutions allow our partners to incorporate their brand elements for a cohesive and branded financial experience.
How does the API integration work?
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
What is Embedded 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.
How does it work?
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.
Who is it for?
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.
What does it cost?
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.
How long does it take to integrate?
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
Who is it for?
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.
What is Card-Based embedded lending?
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.
How does Card-Based work?
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.
What does it cost?
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.
How long does it take to integrate?
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
Who is it for?
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.
What is Embedded Funding?
Embedded Funding is Froda’s solution where partners can build their own custom financing offering on our funding.
How does it work?
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.
What does it cost?
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.
How long does it take to integrate?
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
Where can I find the developer portal?
You can access the developer portal here.
