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News & Blog Lending-as-
a-Service
Embedded Lending
for Platforms
We combine banking infrastructure and technology, handling regulatory complexity so you can focus on what matters most – your customers.
Our solution integrates seamlessly into your applications, creating a fully embedded customer journey in your own look and feel.
Who It’s Built For
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Fintech platforms -
Marketplaces
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SaaS platforms
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Payment providers
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Non-bank lenders or similar
Designed for platforms that want to offer embedded lending – without building their own banking infrastructure or applying for a banking license.
Why Choose
Lending-as-a-Service?
With Magnetiq Bank’s Lending-as-a-Service, fintech platforms can launch lending products faster while we manage the banking infrastructure, compliance, and loan lifecycle.
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Regulated banking infrastructure
Operate under Magnetiq Bank’s regulated banking framework and license coverage.
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Fast digital onboarding
Fully digital onboarding and automated loan processing through API integrations.
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White-label lending solutions
Offer lending products under your own brand with a fully white-label loan management structure.
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Scalable API integration
Seamlessly embed lending into your platform using automated APIs.
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Built-in compliance & risk management
Magnetiq Bank manages AML, KYC, underwriting policies, and regulatory requirements.
Cooperation
Characteristics
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Full white-label lending management
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Fast digital onboarding and processing
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Fixed interest rate structure
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Scalable API-driven infrastructure
Magnetiq Bank’s Lending-as-a-Service partnership model provides fintech platforms with flexible, scalable lending infrastructure and seamless customer financing capabilities.
How It Works?
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IntegrationFintech partners integrate Magnetiq Bank’s lending infrastructure through secure APIs.
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ApplicationCustomers apply for financing directly through the partner platform with fully digital onboarding.
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ComplianceMagnetiq Bank conducts internal reviews, including KYC checks.
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Loan IssuanceAfter successful verification, Magnetiq Bank grants loans to customers via the API-integrated channel.
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ServicingMagnetiq Bank manages loan servicing, payments, and reporting throughout the loan lifecycle.
What
Magnetiq Bank
Handles
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Loan funding
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AML & KYC compliance
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Payment processing
Magnetiq Bank provides the regulated banking infrastructure and manages the full lending lifecycle, allowing partners to focus on their customer experience and platform growth.
Shared Risk &
Revenue Model
Magnetiq Bank and its partners operate under a shared risk and revenue structure where interest income is distributed according to the agreed cooperation framework.
This enables partners to scale lending while maintaining sustainable risk management.
Why Fintechs
Choose Magnetiq Bank?
Magnetiq Bank provides the regulated infrastructure, capital, and expertise needed to launch and scale embedded lending solutions.
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Regulated EU banking license
Operate under Magnetiq Bank’s regulated EU banking framework and license coverage.
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API-driven lending infrastructure
Embed lending directly into your platform through scalable API integrations.
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Embedded finance expertise
Leverage Magnetiq Bank’s experience in building and operating embedded lending solutions.
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Scalable balance sheet funding
Access scalable funding capacity to support growing lending volumes.
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Compliance and risk management included
Magnetiq Bank manages AML, KYC, underwriting, and regulatory requirements.
Frequently
Asked
Questions
What is Lending-as-a-Service (LaaS)?
Lending-as-a-Service (LaaS) enables fintech platforms to offer lending products to their customers using Magnetiq Bank’s regulated banking infrastructure. Through API integration, partners can embed financing solutions directly into their platforms without building their own lending infrastructure.
Who can partner with Magnetiq Bank for Lending-as-a-Service?
Our Lending-as-a-Service solution is designed for fintech companies, digital platforms, marketplaces, and other technology businesses that want to offer financing to their customers through embedded lending.
How does the integration work?
Partners integrate Magnetiq Bank’s lending infrastructure through secure APIs. Customers can apply for financing directly through the partner platform, while Magnetiq Bank manages the underlying banking infrastructure and loan lifecycle.
Who performs KYC and compliance checks?
Magnetiq Bank conducts internal compliance reviews, including KYC checks, before issuing any loans.
Who provides the loan funding?
Magnetiq Bank can provide funding and balance sheet coverage for loans issued through the Lending-as-a-Service platform, but we are also open to discussing alternative structures.
Explore other
Magnetiq Bank solutions