“White-label marketplace” is a phrase vendors use to mean three different products: a fully hidden funder, a co-branded application, or a software license to run your own lender network. Loanable’s embedded solutions are the middle one. Your brand can sit on the apply experience. The matching still happens through a marketplace. Loanable is still not a lender. Users should not think your POS company just chartered a bank.
Implementation is a co-branded apply flow with your unique partner link. 150+ lenders. 50/50 of Loanable profit on funded deals, Monday ACH, no minimum. There is no public REST API that lets you render a Loanable decision as if it were native credit. If a sales deck said “fully invisible lending,” rewrite the deck before you go to legal.
Brand presence versus credit presence
Brand presence is logos, colors, and a return URL into your product. Credit presence is who the user’s contract is with after funding. Those must stay distinct in UI and in help docs. If you hide the marketplace completely, your support queue inherits every statement request. If you hide yourselves completely, you did not white-label anything; you dumped a link.
- Co-brand the apply screens you actually have, not mockups of a bank portal
- Keep the ref code on every entry point, including “white-label” domains you control
- Disclose that lenders fund, not your software company
- Do not stamp “approved” on a screenshot for a sales one-pager
Domains and trust
If you host a bounce page on your domain that immediately sends users to the apply flow, test cookies, mobile in-app browsers, and query strings. White-label UX dies when the code falls off and the file becomes unattributed. That is not a branding problem. That is a Monday ACH problem.
Product honesty still sells
You can say users may receive working capital as soon as 24 hours in some cases and that the marketplace includes term, SBA, equipment, and large facilities up to $50M. You cannot say your white-label product guaranteed those outcomes. Co-brand trust. Do not co-brand a fantasy credit box.
Merchant-facing FAQ you should publish
Who is Loanable? A marketplace, not a lender. Who funds? A lender in a 150+ network if they approve. Why do I see your logo? Because you partnered for a co-branded apply flow. Why is there another name on the form? Because you are not the bank. How fast? Some working capital as soon as 24 hours. How do you get paid? 50/50 of Loanable profit on funded files, Monday ACH — which is your economics, and you may choose not to mention it to merchants.
Publishing that FAQ reduces tickets more than a prettier CSS theme. White-label without explanation feels like a bait-and-switch. unique partner link still has to be on the entry URL or the FAQ will not save your residual. Products up to $50M can be a footnote, not the headline, unless your merchants actually look like that file.
White-label the introduction, not the charter. Build a co-branded Loanable apply flow with partner-link attribution instead of pretending you operate a hidden bank.