← Embedded Finance Index 2026/Vendor

Balance

Provider
LendingPSP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 3 companies across 2 categories.

balance.comAlso analysed as a company — its own stack →
CategoriesLending, PSP
Rank#41 of 223 in Lending
Buyers3 companies
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Who uses Balance
3 companies disclose Balance in their stack
SparkLayerInstacartAlibaba Com
Buyer mix · 3 of 3 classified
Marketplace / Gig economy · 1Marketplace / Two-sided · 1Vertical SaaS / B2B eCommerce · 1
UK · 1US · 1APAC · 1
What the disclosures say
SparkLayer
SparkLayer docs Payments page lists Hokodo (integrates directly), Balance (trusted partner), and Billie (trusted partner) as B2B BNPL / trade credit partners.
Instacart
Instacart Help Center (instacart.com/help) explicitly states: 'Balance powers Instacart's Pay by Invoice program, enabling Instacart to offer deferred payment terms to customers.' Balance press release (getbalance.com) confirms April 2025 partnership for embedded invoicing within Instacart Business.
Alibaba Com
Balance case study and Digital Commerce 360 article confirm Balance powers checkout-embedded B2B payment flexibility.
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Balance? Claim this profile above to unlock your own full list.
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Alternatives to Balance

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm54 buyersYouLend35 buyersMambu34 buyersKlarna33 buyersStripe Capital28 buyersWisetack27 buyersLiberis18 buyersfinmid16 buyers
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Ranked #41 of 223 in Lending — Embedded Finance Index 2026
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       alt="Ranked #41 of 223 in Lending — Embedded Finance Index 2026">
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