Add payroll financing to your platform — without becoming a lender.
Lendea is the embedded payroll-financing layer. You bring the payroll relationship; we bring the capital, underwriting, and compliance. Your clients get funded at the run — you earn revenue and retention.
API & SDK · White-labeled to your brand · Live in weeks
Built for any platform that touches payroll
If your platform runs, processes, or sits next to payroll, you already have the relationship and the data. We add the capital layer on top.
Payroll providers
Full-service and software payroll platforms running bi-weekly and semi-monthly cycles for SMBs.
PEOs & EORs
Professional employer organizations and employers-of-record managing payroll across many client companies.
HR & workforce platforms
HRIS, time & attendance, and workforce-management suites with payroll built in or tightly attached.
Vertical SaaS
Industry platforms — restaurants, construction, home services, healthcare — with embedded payroll.
Accounting & bookkeeping
Platforms that own the books and cash-flow picture and process payroll on behalf of clients.
Banking & fintech
SMB neobanks and spend platforms adding payroll, looking to deepen the funding relationship.
A new revenue line, none of the lending overhead
Standing up a lending product means capital, risk models, licensing, and servicing. We've built all of it — you switch it on.
New revenue per client
Earn a share of every funded payroll run. A financing line monetizes clients you already serve — turning a cost center into a revenue stream.
Stronger retention
Clients that get funded at payroll stay. Embedded capital deepens the relationship and raises switching costs across your base.
Zero balance-sheet risk
Lendea provides the capital, underwriting, servicing, and compliance. Credit risk and lending licensing stay off your books entirely.
From kickoff to first funded run in weeks
A focused API and SDK integration, white-labeled to your brand and embedded directly in your payroll flow.
Connect the API
Integrate our SDK and share payroll metadata via API. We handle KYC/KYB, eligibility, and the credit decision.
Embed the offer
Pay Over Time appears inside your payroll run, white-labeled in your UI — no redirect, no separate login.
We underwrite & fund
We fund the payroll immediately. The client repays automatically by direct debit.
You earn revenue
Share in the revenue on every funded run, reported in a partner dashboard with clear reconciliation.
Embedded right in the payroll run
Pay Over Time appears the moment your client reviews payroll — white-labeled in your UI, pre-approved, one click to fund. No redirect, no separate application.
Revenue that scales with your base
Every employee on your platform becomes addressable program revenue — whether or not they ever draw.
Illustrative, based on ~$60 gross revenue per employee per year and ~25 employees per client at maturity. Actual partner economics are set in the commercial agreement and depend on volume, mix, and performance. Not a forecast.
Let's build the payroll-financing layer together.
Tell us about your platform and your base. We'll map the integration, the economics, and a path to your first funded run.