Neo-Bank Yapeal and FinTech Kamuno are partnering to expand embedded lending solutions for Swiss SMEs.
«Bring Banking to where it’s needed»says Christopher MalmerHead SEB Embedded. By this he means that financial services do not necessarily have to be obtained from banks, but should be available where customers need them. For example, in a furniture store, when buying a new car, at a mobile provider or at other companies that want to offer their customers financial services directly and without detours.
Neo-Bank Yapeal is one of those FinTechs that makes exactly this possible with Banking-as-a-Service (BaaS). For example, with accounts and account opening, with debit and credit cards, with loans, with payment services and other financial services that are integrated into their own processes as embedded finance services by companies and non-banks. become.
Yapeal and Kamuno are pushing embedded lending
Embedded lending integrates financing and loans directly into existing digital processes. So that SMEs can apply for and receive the financing they need at the moment they need it. Typical use cases include liquidity bottlenecks, growth financing or investments in working capital.
Embedded finance and therefore embedded lending create convenience and seamless customer experiences through the direct integration of financial services into non-financial platforms. Neo-bank and BaaS provider Yapeal sees embedded lending as a key future trend for SMEs, as companies can access financing and loans exactly when and where they are needed.
FinTech Kamuno brings extensive expertise in SME financing and offers modern credit solutions to support business growth and operational requirements.
Together, Yapeal and Kamuno want to develop integrated financing solutions that are directly embedded in the digital platforms used by SMEs. This simplifies access to loans, business accounts and cards and speeds up financing decisions.
Loans for SMEs directly and without detours
Michael EidelCEO of Yapeal, underlines his belief that embedded lending will significantly shape the future of SME financing with the following statement: “By embedding Kamuno’s lending solutions into our platform, we enable SMEs to access financial services easier, faster and more closely aligned with their daily business activities.”.
As a first step, the partnership will focus on integrating Kamuno’s lending products into Yapeal’s embedded finance ecosystem. In the next steps, the offer will be expanded with new digital financing options for SMEs in Switzerland.
