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Embedded lending infrastructure · built for Canada

The intelligence layer
for embedded lending.

The right capital, at the right moment, inside your platform.

Chat with an expert →Read the docs
Supporting these platforms
HuumansFairlyFillip
Canada & USCAD & USD

Products

Capital and credit lines, one integration

A customer is enrolled in one active product at a time. Same engine, same integration — which one they get comes from what they are actually short for: a fixed amount now, or a limit to draw against.

Working capital

A fixed amount, repaid in equal installments

One upfront disbursement at a fixed factor rate, repaid on a set schedule. Executed as a merchant cash advance for businesses, a future earnings agreement for individuals.

Line of credit

A limit they draw against

Approved once for a facility limit, then they take what they need. Runs as a draw facility, behind a card you operate, or against a transaction feed.

How it works

Offers that fire on the day the money is short

A small business needs money on a Tuesday and does not need it by the next one. Every other capital offer they see is an always-on banner that happened to be there. Slate scores your data daily, waits for the gap, and puts one offer in front of them while it still matters.

ZeroOffer sized to the gap$5,180, three days before it is neededPayroll due · $34,200without Slate, the week breaks hereMonTueWedThuFriSatSun

We move on Monday, so Friday never reaches their own pocket.

Detection alone is only a warning, so the money is already sized when we speak.

In your product

Your brand, our engine underneath

Your customers never leave your product, never fill in an application, and never see our name.

Your platform

$5,180 available now

Covers Friday's payroll. One fixed fee, repaid on a set schedule.

Accept

Your brand

Your colours, your typeface, your logo. Set once and the embed comes out wearing them.

No application

No form, no document upload, no credit pull. The amount is already decided.

Never leaves your app

The whole flow renders inside your product. Our name appears nowhere in it.

What we handle

You keep the top layer. We run the other six.

Platforms stall on capital because of everything sitting underneath the offer — the licence, the balance sheet, the reconciliation, the call when someone cannot pay. That is the part we take.

YouYOUR PRODUCTYoursSlate06COMPLIANCE05SUPPORT AND COLLECTIONS04PAYMENTS AND RECONCILIATION03THE MONEY02UNDERWRITING01OFFER INTELLIGENCE

Developers

Three calls to your first offer, or no code at all

Register the customer, send us the financial data your platform already holds, then read what Slate approved them for. From there you never poll — every offer, approval and repayment arrives as a signed webhook.

GET /v2/pre-approvals
# what is this customer already approved for?
curl "https://api.tryslatehq.com/v2/pre-approvals?externalId=cust_8f21&status=ACTIVE" \
  -H "x-api-key: sk_live_..."

{
  "data": [{
    "externalId":             "cust_8f21",
    "status":                 "ACTIVE",
    "type":                   "capital",
    "amount":                 5180,
    "currency":               "CAD",
    "repaymentFrequency":     1,
    "repaymentFrequencyUnit": "month"
  }],
  "total": 1, "page": 1
}

No score to interpret, no decision to make.

You get an amount, a currency, and a repayment cadence that are already decided. If a customer has nothing waiting, data comes back empty and your product shows nothing.

Repayment reconciles itself.

Subscribe once and we push the rest — preapproval.created, application.approved, financing-agreement.disbursed, financing-agreement.repayment, financing-agreement.completed. You never build a ledger or a payment schedule.

Three ways in

01 · No engineering

Hosted application

We email your pre-approved customers and they finish on a Slate-hosted application carrying your brand.

Days · zero developers

02 · Drop-in

Drop in one web component

One <slate-capital> embed covers every product — it reads which one the customer is enrolled in and renders the right dashboard. <slate-pre-approval-banner-v2> if you only want the offer.

Under a week · one developer

03 · Full API

Native, entirely yours

Read pre-approvals, open finance requests, take the webhooks, and render all of it in your own components.

Weeks · a small team

Partners

What platforms say after they ship it

“Slate let us embed lending quickly and compliantly without slowing our roadmap. Feels native to our product, not bolted on.”
Kyle StinsonKyle StinsonHead of Growth & Product, Huumans
“With Fairly Cash, our mission now includes flexible funding tied to their work and reliability on the platform. It has brought back temps who hadn't been active in months.”
Amir ReshefAmir ReshefCEO, Fairly

What you take on

The risk, the licensing, and the hard calls stay with us

This is the part that usually stops a platform from shipping capital at all. None of it lands on you.

Your balance sheet

Untouched

Every advance is funded by us. Nothing sits on your books, and you carry no credit exposure.

Your licensing

Nothing new to hold

You are not the capital provider, so offering this does not put a new registration or filing on your company.

Your support team

Out of it

Questions about an advance, missed payments, and hardship all come to us. Your team never fields them.

Your legal review

Already mapped

We bring the structure, the paperwork and the disclosures, and we walk your counsel through all of it before you sign anything.

Frequently Asked Questions

Quick answers to the most common questions about integration, security, and how to start offering financing through your platform.

Every platform will offer capital.

Tell us what your customers do and what data you already hold. We'll tell you what a capital program
on your platform is worth before you write a line of code.

Chat with an expertRead the docs