SaaS teams hear “embedded lending” and start a vendor spreadsheet. They think they must sign lenders, write decisioning, and hold licenses. That is how you spend a year building a bank-shaped object inside an invoicing product. Your users needed a button that sent them into a real application with your name on the attribution. They did not need you to become a funder.
Loanable’s embedded offering for SaaS is a Loanable-branded or co-branded apply flow with partner attribution. Users land on unique partner linkYOURCODE (and a product type when you already know it). Loanable is not a lender. It matches the file to 150+ lenders. You are not originating in your own name. If a deal funds, you earn 50/50 of Loanable profit, paid Monday via ACH, with no minimum.
What you are not building
You are not building a public REST API that prices offers inside your app. Loanable does not publish a live lending API for that. You are not warehousing loans. You are not standing up 150 ISO agreements. You are placing a tracked application in the user journey where the cash problem shows up: unpaid invoices, payroll week, equipment quote, expansion.
- A unique ref code for your product, environment, or partner manager
- A branded or co-branded apply experience, not a fake “instant decision” widget you cannot back
- Marketplace coverage including working capital that can fund as soon as 24 hours
- The same 50/50 split on term, SBA, equipment, and larger facilities up to $50M when the file fits
Where the button belongs
Put it where the user already feels the gap. An AR dashboard that shows 45-day receivables. A project quote that exceeds cash. A subscription analytics view that is not a reason to lend by itself — do not slap “get funded” on every screen. Desperate placement converts badly and creates support tickets that your CS team cannot answer because you are not the lender.
Support ownership
Your support team should know one paragraph: Loanable is a marketplace, here is the apply link with our code, we do not approve loans, Monday is when partner commission posts if a file funded. If they start quoting boxes, you will own complaints you cannot fix. Keep a named contact on the Loanable partner side for files that stall, not a shared inbox nobody watches.
Staffing the partnership after the button ships
Someone in product owns the URL. Someone in support owns the macro. Someone in finance owns Monday ACH. If all three are “we’ll figure it out,” the button will rot after the launch changelog. Loanable’s 150+ lenders do not replace those owners. The 50/50 split does not post itself into your ARR dashboard without a human mapping it.
Schedule a 30-day review: clicks, starts in the partner dashboard, fundings, dropped refs. That review is the anti-API. You do not need a REST underwriting client. You need to know whether unique partner link still survives your latest mobile release. Working capital as soon as 24 hours will not show up if the webview ate the code. Facilities up to $50M will not either.
Skip the lender-by-lender project. Talk to Loanable about embedded solutions and send users through a branded apply flow with your partner link instead of building a network you will not maintain.