← State of Embedded Finance 2026

Turnkey Lender Partner

Can a single end-to-end loan management SaaS become the default infrastructure layer for any business — lender or non-lender — that wants to embed consumer or B2B credit in-house?

HQSingapore
IndustryInfrastructure / Lending
The story

TurnKey Lender began as an end-to-end loan management software (LMS) platform targeting traditional and alternative lenders globally. Over time it expanded beyond LMS into a broader embedded lending infrastructure play, launching TurnKey Pay Later to allow any business — retailers, telecoms, healthcare providers — to bring BNPL and consumer financing in-house without relying on third-party BNPL providers. The company now positions itself as the infrastructure layer for embedded lending, operating in 50+ countries and integrating payments (VoPay), accounting (Xero, QuickBooks), and decisioning as a unified SaaS.

Last 12 months
2023-06
2023-01
Product timeline
2023
Released TurnKey Lender Accounting Addon integrating with Xero and QuickBooks for automated lending accounting.· lending
2023
Launched TurnKey Pay Later, a dedicated BNPL/embedded lending SaaS edition of the platform for consumer and B2B financing.· lending
2023
Partnered with VoPay to power loan automation and digital payments.· banking
The stack
Payments / PSP
VoPay
Lending
TurnKey Pay Later (in-house BNPL)Commercial lending software (B2B term loans, credit lines)Consumer financing / installment loansLoan origination platformLoan management / servicing platformAI-powered credit decisioning engine
Accounting
XeroQuickBooks
Accounting gap: minor