Embed SMB Credit Directly Into Your Product.
For fintech platforms, marketplaces, and embedded finance operators looking to offer business credit as a native product feature. QLS’s API-first architecture allows credit origination, decisioning, and servicing to be embedded without redirecting borrowers to a third-party experience. The credit product lives inside the operator’s platform.
Your Users Already Need Credit. You Shouldn’t Have to Build a Lender to Offer It.
Platforms that serve small businesses encounter credit demand constantly, from sellers needing inventory financing to service providers managing cash flow gaps.
Until now, serving that demand meant one of three things: building a lending operation from scratch, redirecting users to a third-party lender and losing control of the experience, or ignoring the demand entirely. Embedded Credit changes the math.
What Embedded Credit Includes
Embedded Credit gives your platform a complete lending capability that looks and feels like a native feature. QLS provides the credit infrastructure, underwriting, funding, compliance, and servicing. All accessible via
REST API.
- Full REST API &webhook suite
Embed the complete lending workflow into your platform’s UX. Application intake, decisioning, funding, and servicing all happen inside your product through API calls.
- Your UX, your brand, your customer
API-first means your platform controls every customer touchpoint. No redirects, no iframes, no third-party branding visible to the end user.
- Underwriting & compliance on QLS’s balance sheet
QLS underwrites, funds, and services the loans. Compliance infrastructure (ECOA, GLBA, adverse action) is managed entirely by Quantum. Your platform doesn’t carry credit risk or compliance burden.
- Sandbox environment pre-contract
Evaluate the full API surface before committing. Sandbox access within 48 hours of technical discovery. Complete developer documentation and versioning changelog included.
- Real-timestatus webhooks
Application status, funding events, payment updates, and servicing milestones pushed to your platform in real time. Keep your users informed without leaving your product.
- Revenue from existing user base
Monetize declined applicants and existing customers without acquiring new users or adding balance sheet risk. Turn credit demand into platform revenue.
How the Partnership Works
- Customer relationship, UX, and brand experience.
- API integration build using your engineering team.
- Customer consent and disclosure flow within your product.
- Placement, trigger logic, and credit offer positioning.
- Ongoing integration maintenance and versioning updates.
- Credit infrastructure: origination, underwriting, decisioning, funding.
- Compliance operations: ECOA, GLBA, adverse action, audit trail.
- Loan servicing and portfolio management post-funding.
- API, sandbox, SDK, and developer documentation.
- Balance sheet exposure and credit risk management.
From Sandbox to First Funded Loan
60–90 days from contract to first funded loan. Sandbox access available within 48 hours of initial technical discovery.
- 1Technical Discovery
60-minute session with your product and engineering team. Map integration surface, UX flow, credit offer placement, and data requirements.
- 2Sandbox Onboarding
Assign engineering team to sandbox with full API access, documentation, and QLS developer support.
- 3API Certification
Complete sandbox certification: API schema conformance, consent flow validation, and data integrity testing.
- 4Compliance &
Disclosure ReviewEnsure consumer-facing disclosures, consent language, and data handling meet regulatory requirements within your embedded flow.
- 5Production Launch
Go-live activation with real-time monitoring. QLS provides launch support and active monitoring through the first transaction cycle.
Use Cases
B2B software platforms and fintechs that want to embed lending natively into their product as a revenue-generating feature. Offer credit to your existing user base without building or managing lending operations.
Marketplaces and digital properties that drive SMB traffic and want to monetize it through an embedded or referral-based lending experience. Integration ranges from simple referral links to full programmatic API-based credit flows.
Banking-as-a-Service and embedded finance companies adding SMB credit to their product suite. QLS provides the credit infrastructure so your platform can offer lending alongside payments, accounts, and other financial products.
Request Your Demo
Team responds within 72 business hours
What you'll learn during our call
- Clear assessment of program fit.
- Operational scope mapped to your borrower profile and lending goals.
- Preliminary launch timeline with milestones.
- Compliance and resourcing review.
Book an Implementation Consult
No commitment required. By submitting, you agree to receive communication from Quantum Lending Solutions.
Add Lending to Your Platform
Schedule a technical discovery session with your product and engineering team. We’ll walk through the API architecture, sandbox access, and what an embedded credit deployment looks like for your specific platform.
FAQ
Do our users ever leave our platform?
No. Embedded Credit is API-first by design. The entire lending experience: application, decisioning, funding updates and servicing, happens inside your product through API calls. No redirects, no hosted iframes, no third-party experience.
Who carries the credit risk?
QLS underwrites and funds the loans on its own balance sheet. Your platform does not carry credit risk or balance sheet exposure.
What does our engineering team need to build?
Our team builds the front-end integration using QLS’s REST API and webhook suite. QLS provides sandbox access, full documentation, developer support, and API versioning. Integration typically takes 4–6 weeks of engineering time.
Can we control which users see credit offers?
Yes. Your platform controls placement, trigger logic, and eligibility criteria for surfacing credit offers. QLS provides the credit decision; you control when and where it appears.
How does revenue sharing work?
Revenue model details are covered during the Technical Discovery and scoping process. Models are structured around funded loan volume and vary by partnership type.