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Softloans

“Can a small Lithuanian fintech become the go-to embedded RBF infrastructure layer for European PSPs, marketplaces, and SaaS platforms serving SME merchants?”

Founded2022
HQVilnius, Lithuania
FoundersAndrius Griškevičius
Total raised$1.2M
Latest roundSeed, undisclosed year
IndustryInfrastructure / Lending
The story

Founded in 2022 as a credit-risk assessment intermediary connecting merchants to lender SF1, UAB, Softloans has evolved into a B2B2B embedded lending infrastructure company. It now offers white-label or co-branded revenue-based financing that PSPs, SaaS platforms, and marketplaces can embed for their SME merchants. The company has shifted from a pure risk-scoring / referral model to a full end-to-end managed lending stack — handling scoring, underwriting orchestration, servicing, and revenue-share repayments — positioning itself as the infrastructure layer rather than the direct lender.

Last 12 months
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Product timeline
2022
Soft loans, UAB founded in Lithuania, initially focused on assessing merchant creditworthiness and transmitting risk data to lender entity SF1, UAB.· lending
2023
Published privacy policy naming partner network including Dabodo/Ecomlend and Nordstreet; integrated Paysera as a payment partner in terms and conditions.· banking
2023
Integrated ConnectPay as embedded finance / BaaS provider to enable real-time merchant account access, instant payment processing, and automated onboarding.· banking
2024
Launched fully-embedded revenue-based financing (RBF) product for e-commerce and POS merchants, delivered via API, hosted flow, or referral integration into partner platforms.· lending
The stack
Payments / PSP
ConnectPayPaysera
Banking / BaaS
ConnectPay
Lending
SF1, UAB (in-house affiliated lender); Nordstreet, UAB; Dabodo MB (Ecomlend)Revenue-based financing (RBF)Working capital loans for SME merchantsEmbedded lending via API / hosted flow / referral
Accounting gap: significant