Embedded financing for platforms
Offer your customers financing where they already work, under your brand, powered by Moby
Offer your customers financing where they already work, under your brand, powered by Moby
Financing your customers will use
B2B BNPL
Let businesses buy now and pay their suppliers in instalments, right where they manage their invoices
Invoice financing
Help businesses get paid early on unpaid invoices, without waiting 30 to 90 days
Earned wages
Give employees access to wages they've already earned, before payday
Tailored consumer credit
Credit products shaped around your users and how they spend
Be there when your customers need funding
Your customers already trust you. Let them get funded where they already work, and grow your business with every financed transaction
- New revenue stream: Earn from every financed transaction, with no lending licence or balance sheet needed
- No lending to build: Moby handles assessment, funding and collection, so your team stays focused on your product
How it works
Launch financing in four steps
Connect
Embed Moby into your product with our API or ready-made flows
Assess
With your customers' consent, we check their eligibility using live business data
Offer
Eligible customers see financing offers inside your product, in your brand
Collect
Repayments run automatically through agreed channels, so your team does nothing extra
Built into the platforms businesses already use
Payment businesses
Finance the merchants you already process for, using the payments you already see
Accounting and ERP software
Add B2B BNPL and invoice financing right where businesses manage their bills
HR and payroll platforms
Offer earned wages to the employees you already pay
Platforms with a customer base
Give your users tailored financing, without leaving your app
Frequently asked questions
Everything you need to know about the partners
Who can partner with Moby?
Banks and Islamic banks, development finance institutions, financiers and private credit funds, takaful and trade credit insurers, and platforms that serve businesses, such as payment, accounting, ERP, HR and payroll platforms.
What partnership models do you offer?
There are three ways to work with us. With origination, we find and verify businesses that are ready for financing and refer them to you. With co-financing, we structure and run financing programmes together. With technology only, you use our white-label KYB, monitoring and decision tools inside your own processes.
How does Moby find businesses that are ready for financing?
We track live business data such as sales, stock and payments, and our models flag businesses that need financing. Each one is verified with digital KYB checks before an offer is made.
How do you verify businesses without site visits?
Our white-label KYB uses digital checks, including AI checks on business premises and online presence, so you can onboard businesses remotely.
Will we understand why a business was approved?
Yes. Every recommendation comes with clear reasons and the evidence behind it, so your credit and risk teams can review decisions with confidence.
Do you support Shariah-compliant financing?
Yes. We offer ready-made, asset-backed Islamic financing models. Financing is limited to Shariah-compliant businesses and goods, and every model is reviewed and endorsed by our Shariah advisor.
How does embedded financing work for platforms?
You connect Moby to your product through our API or ready-made flows. With your customers’ consent, we assess their eligibility, and eligible customers see financing offers inside your product, in your brand.
How do we get started?
Contact our partnerships team. We’ll discuss your goals and recommend the partnership model that suits your business best.
Still have questions?
Can’t find the answer you’re looking for? Please Contact our sales team
Ready to offer financing?
Ready to offer financing?
Email us about your platform and your customers. Our team will reply within a working days
Email us about your platform and your customers. Our team will reply within a working days