Build credit products you actually own.

Embedded finance platforms take your margin and own your customer relationships. Liftline gives you direct access to lenders and insurance, plus the software, AI agents, and expertise to make it effortless — so the economics scale with you, not against you.
Join the waitlist

The embedded finance trap.

What they tell you
"Launch in weeks"
What they actually mean
Lock-in for years
Fast onboarding hides long-term contracts and integration dependencies. Switching costs are the product.
What they tell you
"We handle everything"
What they actually mean
They own everything
The lender relationship, the insurance, the customer data, the underwriting — even the customer experience. All theirs, not yours.
What they tell you
"Revenue share with no risk"
What they actually mean
They keep the spread
You get a small revenue share while they keep the lion's share of the spread. You're derisked, but you'll never build equity in your own capital program — and as you scale, their margin expands instead of yours.

The math your embedded finance provider hopes you won't do.

$10M/month in funded receivables

With an embedded finance platform

They source the lender
They set the advance rate and cost of capital.
They own the customer experience
It runs under their brand, and they keep the customer data.
You get a revenue share
Typically 30-50% of the net spread.
Your spread: ~$45K/month

With Liftline (direct relationships)

You have the lender relationship
You negotiate your own terms and advance rates.
You own the customer experience
It runs under your brand, and the customer data is yours.
You keep the full spread
Minus Liftline's small infrastructure fee.
Your spread: ~$105K/month
Same receivables. Same customers. Dramatically different economics — because you own the relationships that matter.

You don't have to make that trade.

Own the lender relationship, the customers, and the economics — without building a fintech from scratch. Liftline brings three things to the table.
01 — Expertise

Operators who've scaled to billions

Direct guidance on which products to launch first, how to structure them, the legal and accounting work, and building or upskilling your team.
Or hand us the keys and we'll run the whole program for you.
02 — Capital

Lenders and insurers, in your name

We introduce you to lenders and insurers to fund and de-risk the program — structured so you hold the direct capital relationship and capture better unit economics as volume scales.
Already have capital or preferred lenders? Bring your own.
03 — Software & AI

A stack built to launch and scale

A white-label product to launch and test with no engineering work, APIs to embed financing into your systems as you grow, and tooling for risk, compliance, facility management, and money movement.
Go live in weeks, integrate deeper over time.

Word. Class. Software.

A control center for you. A polished, fully branded experience for your customers. A set of APIs to integrate as natively as you wish.
Your dashboard
Console
30d fee revenue
$0
30d volume
$0
Facility use
0%
Advance volume · last 90 days Last 30d: $10.4m
Riverside Mfg Cedar & Co Other
Requested advances
RM
Riverside Mfg · INV-1042
$24,380
Not requested Scanning… Auto-approved Funded
CC
Cedar & Co · INV-1039
$8,120
Funded
HG
Halton Group · INV-1051
$16,540
Auto-approved
Your customer's experience
A Acme Co. FastPay
RM
Available to fund
$0
INV-1042 · Delta Foods Net 60
$24,380
Tap "Get paid today" to fund this invoice Funds on the way… Funded · $24,136 deposited
Powered by Liftline

AI that does the work — and catches the risk.

Liftline's AI handles the heavy lifting that normally takes a fintech team — and watches every transaction for risk, blocking anything that doesn't add up before it funds. The speed and the safety, without the expertise, technology, or manual effort.
Liftline AI
INVOICE
INV-1042
Bill to
Delta Foods
3120 Logistics Pkwy, Reno, NV 89506
Total $24,380
Uploading invoice… AI is extracting data from the invoice… Running eligibility checks… 6 checks · 2 failed
Invoice data extracted
Queued Checking… Read by Liftline AI
Invoice number & amount
Queued Checking… Matches the document
Payment terms & dates
Queued Checking… Net 60 · clearly stated
Credit limit
Queued Checking… Within $50k approved
Billing address verification
Queued Checking… Doesn't match Delta Foods' legal address
Buyer KYB verification
Queued Checking… Delta Foods failed KYB verification
Advance blocked
Two checks failed — billing address mismatch and KYB verification. Funds are held until it's resolved.

From zero to live in weeks.

1

Leverage our experts

Our experts have scaled fintech products to billions. They help you spot the best opportunities and design the products to match, from net terms to payment acceleration to BNPL.
2

Connect with capital and partners

We introduce you to lenders, insurers, and the other partners you need, structured so you hold the relationships and capture the economics directly, not us.
3

Launch a white-labeled program in weeks

Go live immediately with fully white-labeled solutions and zero development work. Run the program yourself, or have Liftline manage it end to end for you.
4

Scale with AI

As volume grows, Liftline's AI and platform handle the underwriting, checks, and servicing, so you scale without building a large fintech team.
5

Integrate deeply

When you're ready, we help you embed financing natively with our APIs, backed by continuous guidance from our team as your program evolves.
Business owner

What platforms are building with Liftline.

Before Liftline
A two-sided marketplace had 90-day payment terms from buyers but a 30-day payment obligation to suppliers. The mismatch resulted in cash flow constraints & limited growth.
With Liftline
By converting invoices into receivables-backed capital, the marketplace rolled out a supplier payment acceleration product — creating a new revenue stream while improving supplier liquidity. They own the lender relationship and keep the full economics.

Stop renting your capital program. Own it.

Liftline gives platforms direct access to the lenders, insurance, and infrastructure to build credit products with economics that scale.
Join the waitlist