Embedded capital
Put capital inside
your product
Offer your customers pre-qualified funding, under your brand, at the moment they need it. Tovah handles underwriting, the lender network, compliance, and servicing. You handle the relationship.
Funding thousands of businesses
Why platforms embed capital
Your customers already
ask you for this
You see their revenue. You see when they're growing and when they're stuck. Platforms that embed capital see customers spend more, churn less, and stop leaving to find money elsewhere.
- ↑ GMVFunded customers grow platform spend.
- ↓ ChurnCapital is a retention product.
- New revenue lineRevenue share on every funded deal.
What you get
The whole stack,
one integration
- Underwriting engineRevenue-based decisioning on your platform data plus bank connections. Decisions in minutes.
- Lender networkMultiple capital providers behind one API. We match; they fund. You never source capital.
- Your brand, your UXWhite-label hosted flow or full API. Offers appear as "[YourBrand] Capital."
- Compliance built inDisclosures, state licensing coverage, KYB/KYC, adverse action — handled.
- Servicing & collectionsRemittances, renewals, and customer support run by Tovah under your brand.
- ReportingReal-time dashboard: offers shown, take rate, funded volume, revenue share.
How it works
Embed, pre-qualify, fund
One integration. Your customers see an offer before they ask.
- 1
Integrate
Drop in the hosted flow (days) or build on the API (weeks). SDKs for web and mobile.
- 2
Pre-qualify
We score your customer base on the data you already have. Eligible customers see an offer in-product, before they ask.
- 3
Fund
Customer accepts, partner funds, remittance runs through your payment rails or ACH. You earn on every deal.
Who it's for
Built for platforms
- Vertical SaaSSalon, restaurant, field service, and dental software.
- Payment platforms & ISOsAdvances repaid through split funding.
- MarketplacesInventory financing repaid from payouts.
- Banks & credit unionsA partner-funded option under your brand.
- Accounting platformsWorking capital when the forecast shows a gap.
Economics
A revenue line, not a cost center
No integration fee. No minimums to start. You earn a share of every funded deal, paid monthly, with full visibility in your dashboard. Typical programs reach breakeven on engineering time within the first quarter.
FAQ
Questions, answered plainly
Do we need a lending license?
No. Tovah and its partners hold the licenses and carry compliance. You're the distribution partner.
Do we take credit risk?
No. Capital providers fund and hold the paper.
How long to launch?
Hosted flow: 2–4 weeks. API: 6–10 weeks depending on scope.
What data do you need from us?
At minimum, customer identifiers and transaction or revenue history. More data improves pre-qualification rates.
Who owns the customer relationship?
You do. Tovah operates under your brand.
Can we use our own capital?
Yes. We can run your balance sheet through the same engine, or blend it with network lenders.
Put capital inside your product
One integration. Your brand. Our underwriting and lender network behind it.