New embedded lending solution lets NMI partners offer quick, pre-approved financing to their merchants with one fixed fee and no credit checks

NMI, a global leader in embedded payments infrastructure, announces NMI Business Capital, a new embedded lending solution that gives software companies, ISOs, payment facilitators and merchant service providers the ability to offer fast, pre-approved financing directly within their existing merchant portals. For partners, it’s an easy way to help merchants access the funding they need, earn extra revenue and avoid any lending risk or additional workload. For merchants, it means faster, simpler access to working capital to manage cash flow, buy inventory or invest in growth. 

Peter Galvin, Chief Growth Officer at NMI said:
“With 88% of small businesses in the U.S. reporting regular cash flow disruptions, access to funding has never been more critical. Running a business today means constantly balancing ambition with cash flow. With NMI Business Capital, we’re helping our partners give their merchants an easy way to bridge that gap, so they can invest in their businesses when it matters most. It’s funding built right into the platforms merchants already use and trust, without the friction or red tape of traditional lending.”

For NMI’s partners, Business Capital is a new way to build stronger relationships with their merchants and grow revenue without added cost or complexity. The solution embeds seamlessly into existing merchant portals, with no requirement for partners to underwrite, service or maintain compliance behind the scenes. Partners can also see real-time data on adoption, loan performance and commissions, turning merchant financing into a powerful advantage and differentiator for their business.

Merchants receive pre-approved offers based on their sales history. Once they accept, funds typically arrive within one to two business days. Payments are automated as a percentage of daily sales, helping merchants to stay in control of cash flow. Pricing is clear and transparent with one upfront fee and no compounding interest, hidden charges or late fees.

Jordan McKee, Research Director at S&P Global Market Intelligence 451 Research said:
“Increasingly, businesses expect that same level of integration for how they get paid and manage cash flow. In fact, 69% of SMBs say they would like their software partners to offer integrated financial products. They desire a single, unified platform that handles both operations and money movement.” S&P Global 451 Research Business Impact Brief: The Strategic Importance of Embedded Payments in Vertical SaaS. ¹

NMI Business Capital is powered by Parafin, a leading provider of embedded business financing solutions for platforms and marketplaces. 

Resources:
Embedded Lending Explained: Faster, Easier Capital for SMBs

S&P Global 451: The Strategic Importance of Embedded Payments in Vertical SaaS

Video: Business Capital from NMI. 

All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review.

¹ The cited source may require individuals to submit personal information in order to access the full report.