Froda
“Can a licensed credit institution become the default embedded lending infrastructure layer for European banks, fintechs, and PSPs offering SME financing?”
Founded as a direct SME lender in Sweden, Froda evolved into a dual-track business: a direct-to-SME loan and savings product, alongside a B2B embedded lending infrastructure (Froda Embedded / frodaembedded.com) enabling banks, neobanks, fintechs, and PSPs like Worldline, Swedbank Pay, and Lunar to offer white-label business loans through their own platforms. The embedded business offloads credit risk to Froda while allowing partners to monetize without operational complexity. This positions Froda firmly as embedded lending infrastructure rather than merely a consumer-facing fintech lender.