Embedded revenue financing uses data from a business platform, payment processor, or connected software to assess whether to make an offer and how to structure it. The clearest documented inputs are commerce and payment signals—such as sales volume, order activity, successful shipments, and payment-processing history. Bank-transaction feeds and accounting ledgers are not established as standard inputs across providers; check the specific offer’s data permissions and terms.
What embedded lending means
Embedded lending places a financing offer inside a platform or business-software workflow—for example, where a merchant already manages sales or payments. The platform can provide the application interface and business data, while a separate provider may assess eligibility, supply capital, service the financing, or collect payments. A familiar platform brand therefore does not by itself tell you who is making the credit decision or providing the funds.
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In a typical workflow, a platform connects to a financing provider, shares permitted account or transaction information, and presents an offer to an eligible business. The provider evaluates the application and, if accepted, arranges funding and repayment. Some arrangements also let the platform earn revenue from referrals or financing activity. Stripe describes these as common elements of white-label embedded lending, while noting risks such as provider dependency and brand exposure; those business-benefit descriptions are Stripe’s framing, not independent evidence of results. Stripe’s overview of white-label embedded lending
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The available examples document commerce and payment data most clearly. They do not reveal proprietary scoring weights or prove that every provider uses the same signals.
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Commerce and fulfillment data
Shopify says eligibility and offer size are primarily based on sales performance on its platform. It identifies sales volume, how frequently sales occur, total orders, and orders successfully shipped as relevant factors. Shopify also says eligibility is evaluated continually and that receiving an offer does not guarantee funding. Shopify Capital eligibility information
Payment-processing data
Stripe says its platform financing offers consider connected-account payment activity, including overall processing volume and processing history. In its US platform documentation, Stripe also says a platform may share non-Stripe payment data to help assess eligibility and determine financing amount and premium rate. This is an optional, documented route to broader payment information—not evidence that every embedded lender routinely obtains bank statements or transaction feeds. Stripe Capital for Platforms documentation
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Bank-account transaction data
A bank account can be involved without its transaction history being used for underwriting. A provider might require an account for disbursement or repayment, while separately assessing payment-processor or commerce data. Stripe’s references to non-Stripe payment data and to connected business bank accounts serving payment functions are distinct; linking a payout or debit account alone does not establish that a lender reviewed its transaction history.
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Accounting-software data
The provider documentation cited here does not establish how commonly accounting ledgers or particular bookkeeping platforms are connected to embedded-financing underwriting. Treat accounting access as provider- and product-specific. Before connecting software, check which records will be accessed, why they are needed, how long access lasts, and whether the connection is required to apply or only to manage an account.
How data, providers, and offers fit together
The platform may surface an offer, but underwriting and funding roles can sit elsewhere. Shopify says it is a technology company, not a bank, and identifies WebBank as the issuer for US Shopify Capital funding. Stripe’s platform documentation describes Stripe and a financial partner reviewing connected-account activity. Its UK documentation identifies YouLend as the partner responsible for offer questions and collections. These are examples tied to named products and markets; they should not be generalized to every country or provider. Shopify finance information
Offer delivery also varies. Stripe describes offers delivered through email, API or webhook integrations, or embedded components, with acceptance through a Stripe-hosted Capital page or component. Its documentation says US platform funds are deposited within two business days; that is Stripe’s stated timing for that flow, not a general funding guarantee.
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Revenue financing is not one legal product
The label “revenue financing” can cover different agreements. The offer contract and local rules determine whether a product is structured as a purchase of future receivables, a loan, or a line of credit. Those distinctions affect pricing, repayment obligations, and legal rights, so a platform-branded offer should not be treated as legally identical to another provider’s product.
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Stripe’s UK documentation describes a merchant cash advance as a purchase of future receivables. Repayments vary with processing volume and have no fixed schedule in that description. Clearco likewise says its e-commerce advance purchases a portion of future revenue rather than constituting a loan, and describes a flat fee. The contract still matters: do not assume that payments automatically fall whenever sales weaken, because minimums or other terms may apply.
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Loans and credit lines
Stripe lists merchant cash advances, flex loans, fixed-term loans, and lines of credit among products available in its US platform documentation. For its UK documentation, it distinguishes an MCA from a loan advance: the latter has principal, interest, and a fixed payment schedule. These examples show why the product name, jurisdiction, and contract need to be checked before comparing offers.
How repayment may work
Revenue-linked repayment commonly draws a stated share of sales, while a fixed-term loan can require scheduled payments regardless of the day’s sales. Stripe describes daily-sales deductions for revenue-linked repayment. Shopify’s US materials describe daily loan payments as a percentage of sales associated with the Shopify account. Collection mechanics can also change: Shopify says that for loans accepted on or after March 9, 2026, collection draws first from the Shopify Payments balance, with bank-account debits as a fallback in many circumstances. Confirm the current mechanics in the offer and account interface, particularly if you accepted an older agreement.
How to evaluate an embedded offer
Before accepting, compare the actual contract rather than relying on the platform name or a headline fee. These questions help distinguish an apparently convenient offer from one whose costs, data use, or repayment schedule do not fit the business:
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- Data: Which commerce, processor, bank-transaction, or accounting records will be accessed? Is access optional, and can it be revoked?
- Decision and funding: Who assesses the application, supplies the capital, services the agreement, and handles collections?
- Product structure: Is it a receivables purchase, a loan, or a line of credit under the applicable jurisdiction and contract?
- Total cost: What is the total amount owed, including fees and interest? Do not compare a flat or factor fee directly with APR unless the terms support that comparison.
- Repayment: Is payment a percentage of sales or a fixed schedule? Are there minimum payments, daily debits, or fallback collection methods?
- Eligibility and geography: Which country and business types qualify, and which financial partner is involved in that market?
- Consent: What account linking and data-sharing permissions are required, and what happens if a connection is interrupted?
For example, Clearco’s FAQ states a qualification description of at least $100,000 in monthly revenue over six or more months for businesses it funds, and says fees start at 3.5%. These are Clearco’s own vendor statements, accessed October 7, 2026—not market benchmarks or a promise that a particular applicant will receive those terms. Clearco FAQ
Data can improve a provider’s view of activity only when the records are available and representative. The cited vendor pages do not disclose general scoring weights or establish that data-driven embedded financing causes better credit or business outcomes. Read the actual offer, permissions, and repayment terms for the relevant country before proceeding.
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