Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 15 companies across 1 category.
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Founded in 2019 as a recurring-revenue trading platform for SaaS companies, Pipe initially allowed SaaS operators to trade future subscription revenue for upfront capital. After a high-water $2B valuation in 2021 and subsequent leadership changes, Pipe pivoted to an embedded capital-as-a-service model under CEO Luke Voiles, focusing on delivering merchant cash advances (MCAs) to SMBs through vertical SaaS platforms, payment facilitators, and marketplaces. The company repositioned itself as the 'embedded financial OS' for platforms, offloading risk, compliance, and operations to Pipe while generating revenue share for partners on every draw.
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.
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alt="Ranked #12 of 259 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/pipe/install" width="1" height="1" alt="" style="display:none">15 companies disclose Pipe in their stack in the Embedded Finance Index 2026, including UberEats, Pave, Housecall Pro, Uber, Uber Pro Card, Boulevard, Infinicept, Priority Software, GoCardless, Bungalow and 2 others.
Pipe is an embedded-finance provider in Lending. It ranks #12 of 259 Lending providers by disclosed buyers.
The most-disclosed Lending alternatives to Pipe are Affirm (64 buyers), Klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Pipe was founded by Harry Hurst, Josh Mangel and Zain Allarakhia and is founded in 2019, headquartered in San Francisco, CA, USA.
Pipe has raised $316M+ in total.
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