Accounting and invoicing platforms already know which customers are waiting on receivables. That knowledge is not a license to lend. It is a reason to place a funding CTA next to overdue invoices, with a sentence that you are introducing a marketplace, not issuing credit. If you blur that line, your users will think you declined them when a lender passed.
Loanable’s path for accounting SaaS is embedded apply: branded or co-branded, unique partner linkYOURCODE, 150+ lenders, Loanable is not a lender. Funded deals pay 50/50 of Loanable profit, Monday ACH, no minimum. You do not get a public API that pulls the general ledger and returns a factor rate. You get attribution and a marketplace.
Place the CTA on cash timing, not on every nav item
Overdue invoices, negative cash forecasts, a tax payment reminder, a payroll run the books cannot cover. Those screens have context. A floating “capital” tab next to reports does not. Context is how you keep conversion from turning into noise. It is also how you keep your brand from looking like an MCA banner farm.
- Copy: marketplace match, not “we approved you”
- Open the apply flow with your partner link intact
- Do not upload the user’s books to a lender without a flow they understand
- Train support that you do not set rates
Data you should not pretend to send
You may wish you could POST statements through an API. That is not a live Loanable public lending API. If the user needs to upload statements, they do that on the apply flow. You can make that less painful by telling them which months to export. You cannot skip the owner’s consent by silently piping their ledger into underwriting you do not control.
Product mix inside an accounting audience
Many customers need working capital and may fund as soon as 24 hours. Some need term or SBA. Some need equipment. A few might even be in range for large facilities up to $50M. Your UI should not assume everyone wants an advance. Deep-link type= when the screen makes it obvious; otherwise send the base apply URL with your ref and let matching work.
Permissions and who is allowed to see the CTA
The bookkeeper who codes expenses may not be the owner who should apply for credit. Gate the funding button to admin or owner roles. If a junior staffer submits an application because the CTA was next to the bill-pay screen, you will get a confused owner and a messy file. Marketplace matching still needs the principal.
Document that in your help center next to the “we are not the lender” paragraph. Mention 150+ lenders, as-soon-as-24-hour working capital as a possibility, and that larger products including up to $50M exist when the file fits. Keep unique partner link on the owner-gated button. 50/50 Monday ACH is your company’s economics, not something to display as a cash-back widget on the P&L.
Put capital next to the cash gap. Explore Loanable embedded solutions for SaaS and add a co-branded unique partner link flow instead of launching a lending company inside your accounting product.