← Embedded Finance Index 2026

Numarqe

Can a multi-currency AP automation platform capture mid-market corporate spend by embedding credit, cards, and procurement into a single payables workflow?

Founded2021
HQLondon, United Kingdom
FoundersJames Bowler (CEO & Co-founder)
Total raised$3.1M
Latest roundSeed
IndustryHorizontal SaaS / Spend Management
The story

Founded in 2021 as a corporate credit platform focused on lending to mid-market businesses, Numarqe evolved into an all-in-one multi-currency payables platform covering AP automation, procurement, corporate cards, and supplier payments. The company chose to embed card issuing and BaaS infrastructure via Weavr and Paynetics rather than build it in-house, citing speed-to-market and regulatory complexity. The dual-entity structure (Numarqe Limited + Numarqe Capital Limited) separates the payment platform from the lending book, signalling an intent to scale credit as a distinct product alongside its software layer.

Last 12 months
2024-06
2024
Product timeline
2021
Numarqe Limited incorporated in England (company number 12587141) as a corporate credit and payables platform.· pivot
2021
Numarqe Capital Limited incorporated (company number 13726764) as a separate lending entity.· lending
2024
Partnered with Weavr and Paynetics to embed card issuing and spend management into the platform.· card
2024
Launched multi-currency payables platform with 36+ currencies, virtual/physical corporate cards, and supplier payment runs with credit overlay.· banking
Regulated entities
2
regulatory licences held by Numarqe
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Numarqe’s embedded-finance stack
Banking / BaaS
Weavr
Card issuing
in the full report
Lending
in the full report
Accounting
in the full report
Accounting gap: minor
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.