Embedded lending providers: market share 2026
- Affirm is the most-named embedded lending provider, linked to 62 companies through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
- The 5 most-named embedded lending providers are Affirm (62), Klarna (52), YouLend (42), Stripe Capital (32) and wisetack (21), by number of linked companies (Embedded Finance Index, October 2026). Details →
- 116 embedded lending providers are linked to two or more companies, across 1,176 documented relationships (Embedded Finance Index, October 2026). Details →
- The top 5 embedded lending providers account for 17.8% of all documented embedded lending provider relationships (Embedded Finance Index, October 2026). Details →
How often fintechs disclose their embedded lending provider 2026
- 12.7% of fintechs publicly name their lending partner (839 of 6,588 companies analyzed) (Embedded Finance Index, October 2026). Details →
- Of fintechs that disclose anything about their lending stack, 43.5% name only an own-brand product rather than the underlying provider (Embedded Finance Index, October 2026). Details →
Embedded lending providers by region 2026
- Affirm is the most-named embedded lending provider among fintechs headquartered in the US, linked to 45 companies there through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
- Klarna is the most-named embedded lending provider among fintechs headquartered in the EU, linked to 23 companies there through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
- Youlend is the most-named embedded lending provider among fintechs headquartered in the UK, linked to 13 companies there through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
- affirm is the most-named embedded lending provider among fintechs headquartered in Canada, linked to 7 companies there through their public disclosures and provider customer lists (Embedded Finance Index, October 2026). Details →
How to cite these statistics
Embedded Finance Index, October 2026, published by Apideck. https://www.embeddedfinanceindex.com/statistics/lending. Figures are recomputed as dossiers are added; quote the month alongside the number.
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