Built for Canada. Secure, compliant, and developer-first.
Build and scale with Slate’s lending platform
Launch white-label financing inside your product in days—without credit loss exposure.
Build and scale with a complete platform
Accelerate your time to market and reduce engineering effort with Slate's comprehensive lending infrastructure.
Choose your integration path
Accelerate your time to market and reduce engineering effort with Slate's comprehensive lending infrastructure.
Path to Launch
How Slate Works
Offer lending to your customers with our embedded platform.We handle everything else.
Verify Your Business
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Takes 5 minutes
No legal setup needed
We handle all compliance
Integrate API or Components
Drop in our white-label components or use our REST API. Pass in your customer data—we'll handle underwriting, risk assessment, and approval decisions.
White-label components - just copy & paste
REST API for full control
We handle all underwriting & risk
One-Click Applications
Your customers apply with one click. All information is securely encrypted, and consent is gathered to share data for underwriting—keeping everything compliant and frictionless.
One-click application process
Bank-grade encryption & security
Compliant consent management
Instant AI underwriting decisions
Automated Communications
We automatically handle all customer communications throughout the loan lifecycle. From payment confirmations to reminders, everything is white-labeled with your branding.
Payment confirmations & reminders
Delinquency notices & final warnings
All white-labeled with your branding
AI-Powered Underwriting
Our proprietary AI models are trained on modern SMB data—not outdated FICO scores. We analyze real-time cash flow, transaction patterns, and business health signals to make instant, accurate credit decisions.
Custom ML models trained on your industry
Real-time cash flow & transaction analysis
Continuous learning from loan performance
Decisions in under 3 seconds
Seamless Payment Flow
Slate sits directly in your payment flow. When your customers transact through your platform, we automatically collect loan repayments (e.g., 15% of revenue) before funds settle to your account—ensuring you and Slate get paid at the same time.
Works with Stripe, Adyen, Mollie, and more
Repayments deducted from revenue before payout
You and Slate get paid simultaneously
No manual invoicing or payment delays
Platform for your team
Empower every team to launch and grow lending
Slate unites engineering, risk, and finance under one roof — so your teams can move faster, stay compliant, and unlock new revenue streams with zero friction.
Developers. Modern REST APIs, webhooks, typed SDKs, great docs, and a realistic sandbox.
Operators & Risk. Dashboards, controls, audit logs, and automated playbooks out-of-the-box.
Compliance. Built for Canadian regulations with end-to-end KYB/KYC and reporting.
Finance. Clear unit economics, revenue share, and configurable pricing levers.
Ready to get started
Don't let engineering constraints stop you from monetizing a financing program. Launch with our no-code solution or white-label the experience with prebuilt embedded components.
Frequently Asked Questions
Quick answers to the most common questions about integration, security, and how to start offering financing through your platform.
The debt-to-income ratio is a financial measure that compares your total monthly debt payments to your gross monthly income. Lenders use this ratio to assess your ability to manage monthly payments and repay borrowed funds.
Yes, refinancing a loan involves taking out a new loan to pay off an existing one, often to secure a lower interest rate or better terms. It's important to consider the costs associated with refinancing before proceeding.
Missing a payment can result in late fees, a negative impact on your credit score, and potential collection actions. It's crucial to communicate with your lender if you anticipate missing a payment to explore possible solutions.
Choosing the right lender involves researching different options, comparing interest rates, fees, and customer reviews. It's important to select a lender that aligns with your financial needs and offers favorable terms.
A variable-rate loan is a loan where the interest rate can change over time based on market conditions. This means that monthly payments may fluctuate, which can be beneficial if rates decrease but may also pose a risk if rates increase.
Many lenders allow borrowers to pay off their loans early without penalties, but some may charge a prepayment fee. It's advisable to check your loan agreement or consult with your lender to understand their policy on early repayment.
Loan requirements can differ by lender, but common requirements include being at least 18 years old, having a steady income, and a good credit history. Some lenders may also require additional documentation, such as bank statements or tax returns.
The interest rate on loans can vary based on several factors, including your credit score, the type of loan, and the lender's policies. Generally, borrowers with higher credit scores qualify for lower interest rates, while those with lower scores may face higher rates.
To apply for a loan, you typically need to fill out an application form, provide personal information, and submit documentation such as proof of income and identification. Many lenders offer online applications for convenience, allowing you to complete the process from home.