“Can a small Lithuanian fintech become the go-to embedded RBF infrastructure layer for European PSPs, marketplaces, and SaaS platforms serving SME merchants?”
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.
Softloans discloses ConnectPay as its banking provider, according to the Embedded Finance Index 2026.
Softloans does not disclose a bank charter of its own; its banking services are provided through ConnectPay.
Softloans processes payments through ConnectPay and Paysera.
Softloans's lending and capital products are provided by SF1, UAB (in-house affiliated lender), Nordstreet, UAB and Dabodo MB (Ecomlend).
The Embedded Finance Index 2026 maps 3 layers in Softloans's stack: Payments / PSP (ConnectPay and Paysera); Banking / BaaS (ConnectPay); Lending (SF1, UAB (in-house affiliated lender), Nordstreet, UAB, Dabodo MB (Ecomlend), Revenue-based financing (RBF) and 2 others).
Softloans was founded by Andrius Griškevičius and is founded in 2022, headquartered in Vilnius, Lithuania.
Softloans has raised $1.2M in total (latest round: Seed, undisclosed year).
Get a read on where your own stack stands against Softloans and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.