Lending inside the SaaS your customers already log into.
Reference architecture for a SaaS, accounting platform, or marketplace adding lending to its product. Klyqo runs underwriting, issuance, servicing under the host’s brand. The host’s data flows in as alt-data scoring; the lender stays whoever the host partners with. For platforms whose customers already trust them with the data the lender needs.
The host knows the customer better than any bank does. Klyqo lets that knowledge underwrite.
Embedded SME lending works because the host already has the data a lender would pay for: cash-in / cash-out, customer concentration, sector, seasonality, payment behavior. Klyqo turns that data into a scoring signal, orchestrates the offer + acceptance + funding + collection, surfaces it inside the host product, and routes risk + book to the lending partner.
Three parties, one runtime: host + Klyqo + lending partner.
Embedded SME lending has three stakeholders: the host (owns the customer), the lending partner (holds the book + the regulated entity), and the customer themselves. Klyqo orchestrates the journey across all three, with the host’s brand on the surface and the lender’s ledger underneath.
Pre-qualified offer to disbursement, inside the host.
Customer is using the host’s SaaS (accounting, e-commerce, marketplace). Klyqo runs a continuous pre-qualification on host data + bureau signal. When the customer becomes eligible, the offer surfaces inside the host product. Acceptance → eIDAS-signed contract → disbursement to the customer’s linked account → collection schedule active.
What you pick from the marketplace.
Embedded SME lending uses six marketplace providers. Most are off-the-shelf; the alt-data “provider” is the host’s own data, normalized by Klyqo into the scoring engine.
Honest about the build.
Embedded SME lending only works when three things are true: (1) the host has data that’s better than what the lender can buy externally; (2) the customer trusts the host enough to accept an offer inside their product; (3) the lending partner is comfortable with the host’s data feeding their underwriting. Most attempts fail on (3) — lenders are conservative and the partnership conversation takes longer than the integration.
What you bring: the host product, the customer base, the lending partnership (or willingness to bring in one Klyqo introduces), the program-management discipline. What Klyqo brings: the runtime, the alt-data normalization, the scoring engine, the journey templates, the audit trail back to the lender. What we figure out together: which lending partner for your jurisdiction, which alt-data signals from the host actually predict default, what the offer-acceptance funnel looks like in your product.
If you’re a SaaS, marketplace, or accounting platform considering lending and you don’t want to learn the lending-partnership dance the hard way: talk to us before you commit to a single lending partner who’ll lock you into their data shape.
Adding lending to your platform?
If you’re a non-lender with high-quality data on your customers and you’re evaluating embedded lending, the first conversation is short. Tell us about the customer base, the data signals you have, the jurisdiction. We’ll tell you which lending partner profile fits and what the journey looks like inside your product.
Email diogo@klyqo.com Response within two business days