Embedded Financing
Your next SME borrower is already on a platform. Reach them there.
Grow your MSME book through embedded distribution: a single integration reaches SMEs across payroll, POS, e-commerce, and ERP platforms with a pre-qualified, one-tap offer, and platform data stops adverse selection at the source.
Embedded financing
Abwab sits between distribution and capital
Platforms
credit
Lenders & FIs
Embedded distribution
One integration. Many platforms. Pre-qualified offers, in-app.
Integrate once and Abwab fans out to the payroll, POS, e-commerce, and ERP platforms SMEs already use, presenting a pre-qualified, auto-filled offer inside the partner app. Platform data, payroll regularity, POS volume, GMV, stops adverse selection at the source, so book growth does not cost you defaults.
- Single integration, reach across many platforms
- Pre-qualified one-tap offer inside the partner app
- Platform data stops adverse selection at the source
Embedded distribution
one integrationAbwab API
single integration
Platform data, payroll, POS, GMV, stops adverse selection at the source.
Targeting
Size your audience before you launch.
Set the credit box per campaign and see how many SMEs on each platform qualify, in real time, before a single offer goes out.
- Sector, business age, revenue floor, debt ratio
- Live match-rate as you adjust criteria
- Time-bound or always-on campaigns
Campaign criteria
Qualifying
62%
154,000 of
248,000 SMEs
Adjust criteria, watch the pool update in real time.
Offer experience
A pre-qualified offer, one tap to accept.
Pre-qualified SMEs get an offer inside the platform they already use: auto-filled, no paperwork, e-signed, and funded in minutes.
- In-flow offer, acceptance, and e-sign
- Underwritten on platform, bank, and bureau data
- Borrower never leaves the partner app
Inside your platform
Notification
You're pre-qualified for SAR 250,000
Working capital · 12 months
Auto-filled, e-signed, funded in minutes. No paperwork.
A win-win for lenders and platforms
Lenders get reach and quality. Platforms get revenue and retention.
One integration turns the platforms SMEs already use into a distribution channel: lenders reach pre-qualified borrowers, and platforms add a financing feature without becoming a lender.
- Lenders reach pre-qualified SMEs across payroll, POS, and e-commerce with one integration
- Better borrowers, pre-qualified on real platform data instead of inbound risk
- Platforms earn a new revenue line and lift retention and GMV
- No lending license, capital, or balance-sheet risk for the platform; live in days
Platforms
Abwab
match · underwrite · route
Lenders
One integration connects every platform to every lender.
Lenders face two problems with SME distribution.
Problem 1: Reach.
Your borrowers aren't on lender websites
The SMEs you want to lend to don't browse lender websites. They're inside the payroll, POS, and e-commerce platforms they use to run their business.
Problem 2: Quality.
Inbound borrowers are often the riskiest
The SMEs who do come to your website are often the ones who need credit most, which usually means they're the riskiest. The healthy SMEs are too busy running their business to look for loans.
The reach
The SMEs you want are already on these platforms.
Abwab brings platform partnerships online by category and activates the ones that fit when you confirm a campaign.
Payroll & HR: ~600K SMEs
Verified payroll-regularity signals from payroll and HR platforms.
E-commerce: ~70K SMEs
Real GMV-trend data from e-commerce platforms.
POS & Payments: ~250K SMEs
Daily transaction signals from POS and payment platforms.
How it works
Four steps. Cycle in minutes.
Build your campaign.
Pick the platforms (payroll, POS, e-commerce). Configure the financing product. Set qualification rules: sector, business age, debt ratio, revenue floor.
See your match rate instantly.
Abwab calculates how many SMEs on each platform qualify before you launch. Tighten or loosen criteria, watch the number change, and launch with confidence.
Pre-qualified SMEs apply.
They get a notification inside their platform. One tap to apply, auto-fill, no paperwork. Abwab runs underwriting instantly using bank statements, platform data, and credit signals.
Approve and disburse.
Review the full credit assessment. Send the offer. Borrower accepts. Funds disbursed, done in minutes, not months.
Frequently asked questions
Primarily for lenders, banks, NBFIs, and fintechs, who want to expand distribution and reach pre-qualified SMEs inside the platforms they already use. Platforms can also join as partners to bring financing to their merchants.