← State of Embedded Finance 2026

Turnkey Lender

Can a white-label lending automation platform become the default embedded lending infrastructure for any business — from banks to retailers — that wants to own its financing product end-to-end?

HQSingapore
IndustryInfrastructure / Lending
The story

TurnKey Lender began as a white-label, SaaS-based lending management system serving banks and non-bank lenders globally with end-to-end loan origination, decisioning, and servicing. Over time, it expanded beyond traditional financial institutions to serve merchants, retailers, healthcare providers, and telecoms — positioning itself as embedded lending infrastructure for any business that wants to offer financing in-house. The launch of TurnKey Pay Later marked a deliberate pivot toward the embedded finance space, directly competing with third-party BNPL providers by enabling businesses to own the lending relationship entirely.

Last 12 months
2024-01
Product timeline
2014
TurnKey Lender founded as an end-to-end lending automation software platform for banks, credit unions, and alternative lenders.· lending
2022
Launched TurnKey Pay Later, a customer finance and BNPL automation platform enabling businesses to offer in-house buy now pay later across B2C and B2B verticals.· lending
2024
Partnered with VoPay to integrate loan automation and digital payments capabilities directly into the lending platform.· banking
The stack
Payments / PSP
VoPay
Lending
TurnKey Pay Later (in-house BNPL platform)Commercial lending automationConsumer lending automationMerchant cash advance automationLoan origination and decisioning engineDebt collections automationCredit scoring and underwriting
FX & payouts
Vopay
Accounting gap: minor