Embedded B2B Lending

Seamless lending, built into your platform

Offer personalized B2B loans without the complexity. We have you covered from underwriting, compliance, servicing, and collecting. You deliver capital access that builds loyalty and drives retention.

Create new high-margin revenue streams

Offer multiple lending solutions to your SMB clients white-labeled for your platform at no risk and lift to you.

Embed lending with reduced risk to you

Offer embedded loans ranging from $10,000 to $250,000 while leveraging services to support underwriting, compliance, servicing, and collecting.

Separate yourself from the competition

Give your platform an edge with embedded lending that deepens relationships, increases your customer lifetime value, and unlocks new revenue.

Term Loans

Term Loans for general business needs such as payroll, inventory, equipment or marketing.

Line of Credit

Embed a line of credit for general business ad-hoc business needs or to offset seasonality.

Invoice Financing

Invoice Financing allows your brand’s customers to get paid on outstanding invoices within 48 hours – easing the pain of unfavorable credit terms.

Purchase Order Financing

Purchase Order Financing enables your brand’s customers to have extended credit terms.

Built for platforms with SMB clients

Lending infrastructure out-of-the-box

Launch lending without building from scratch. API’s give you the tools to embed credit seamlessly while scaling as your platform and customer base grow.

Keep your SMBs ahead

Flexible credit, embedded seamlessly

Help your business clients manage cash flow and fund growth directly inside your platform while building loyalty and creating new low-lift revenue streams

Differentiate from the competition

Lending that deepens relationships

Stand apart by offering financing your competitors can’t. Embedded loans strengthen trust, drive retention, and make your platform indispensable to SMBs

Be live in 90 days

No lending infrastructure required

Plug into Atelio’s lending rails and launch in weeks. We handle underwriting, compliance, servicing, and collecting so you can focus on growth

Scalable lending, single API integration

White-label APIs

Embed working capital products without adding operational burden. Atelio delivers lending your SMBs can trust, under your brand.

Backed by FIS: banking’s trusted technology partner

Atelio is part of FIS, a global leader in financial technology

Learn more about Atelio by FIS

as soon as

48 hrs

approval and loan funding time

as soon as

90 days

to go live

Did you know? Nearly 60% of SMB’s are unable to get the funding they need to generate capital for their business.

Enroll

Log into your existing SPS account, or sign-up and create an account to confirm eligibility.
Enrollment must be completed by someone with an ownership stake in the company. Enrollment typically takes 10 minutes or less.

Get approved

Get approved and get your credit limit (typically approved same day).

Get paid

Upload eligible invoices for any customer and get paid early.

Ready to get started?

Get in touch

Atelio is not a bank. Banking services are provided by Atelio’s partner banks, Members FDIC.

Atelio is not a lender. Lending services are provided by Atelio’s partner lender.

The names, businesses, and transactions appearing on this website are fictional examples for illustrative purposes only. No actual persons, organizations, or financial transactions are depicted. Any resemblance to real entities is coincidental.

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