Dificulty delivering your products to SMEs?

Banking and finance leaders boost revenue streams by embedding finance into their retail and distribution networks.

  1. Offer financial products to the SMEs in your ecosystem, leveraging on better data, and reducing financial risks.
  2. Reduce the cost of adquisition when tailoring products to SMEs.
  3. Provide tailored accounts, payments, cards, lending, and more, using new distribution channels.

Why embedded finance make sense for banks and financial insitutions.

Banks and financial institutions face daily challenges that include legacy systems, fragmented product offerings, and growing expectations from digitally native customers and partners. These problems can strain internal teams, stall innovation, and put customer loyalty at risk.

By adopting a B2B embedded finance solution, financial services providers can quickly deploy tailored, contextual tools, such as branded lending products, automated onboarding flows, real-time financial dashboards, and more. These capabilities allow you to serve niche segments more effectively, improve operational efficiency, and unlock new revenue streams beyond traditional banking.

Whether your goal is to deepen relationships with SMEs, build new digital channels, or future-proof your platform strategy, embedded finance gives you the infrastructure to scale fast, differentiate your offering, and lead in a competitive landscape.

What can embedded finance do for you?

Ease liquidity pressure for everyone

About 81% of CFOs cite cash flow improvement as a top priority*.

Embedded lending, flexible payment terms (B2B BNPL), and dynamic discounting can reduce working capital burden without touching your balance sheet.

Result: Faster cash cycles, reduced churn, and more stable distributor relationships.

* American Express, 2024 CFO survey

 Reinforce fragile supply chains

Supply chain disruptions are now 2.5x more likely to be seen as a major growth risk*.

Use tools like trade finance, supplier insurance, and warehouse financing to keep goods moving.

Result: Less friction, more resilience in your ecosystem.

* McKinsey & Company, 2024 "Trade Policy Tensions and Supply Chain Disruptions"

 Turn inefficiency into margin

Only 48% of cost-saving targets are currently met*. Why? Manual invoicing, scattered data, and outdated banking processes. Embedded finance automates reconciliation, integrates payments into your ERP, and helps reduce days sales outstanding (DSO).

Result: Fewer errors, fewer delays, more time to focus on growth.

* Boston Consulting Group, 2025 "The Future of Fintech"

Generate revenue without selling more product

About 4–6% of SME lending revenue currently comes from embedded finance, and could grow to 25-30% by 2030. This is an inevitable paradigm shift where corporates will tap into revenue tied directly to their existing SME networks.

Result: You monetize services, not just sales.

* McKinsey & Company, 2024 "Embedded Finance: How Banks and Customer Platforms Are Converging"

Use real-time data to make better business decisions

About 72% of companies now use Gen AI in at least one business function*, but without real-time financial data, its value is limited. Embedded finance gives you live insights into cash flow, credit risk, and operational performance throughout your distribution network.

Result: Smarter underwriting, better forecasting, and more relevant financial products.

* McKinsey & Company, 2024 "State of AI/GenAI 2024 Report"

Embedded finance benefits everyone involved

Watch this quick video to discover how.

The numbers behind the need
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50% of corporates1 struggle with trapped liquidity

Easing working capital constraints can help stimulate revenue growth.

 

How can this be addressed

Embedded finance can streamline payment collections and inter-account transfers, including cross-border transactions. That means smoother reconciliations, improved cash flow, and more efficiently managed global transactions.

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47% of SMEs2 are willing to pay for better finance solutions

SMEs are shifting away from traditional banks and looking to corporates for smarter financial solutions.

 

How can this be addressed

Working capital loans are a great way to provide merchants with the services they need, using sales figures or order volume as the basis for approval.

1. Citi 2025 "Supply Chain Financing report"
2. Accenture 2024, “Embedded finance: transforming financing for SMEs"

Case studies

Case study - brewery

European brewery embarks upon new customer retention strategy

Learn how a customer launched a solution built on Toqio in just 16 weeks!

Read case study
Case study - logistics

International logistics company optimizes liquidity in its distributor network

We provided help accessing liquidity to manage complex international financial relationships.

Read case study

Embedded finance gains

Embedded finance is more than an efficiency play, it’s a growth tool.

Download our free guide

Future proof your business and ecosystem

Create ongoing value drivers on our platform and get your customers and suppliers to spend and invest more with you.

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Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

  • Automated payables
  • Automated receivables
  • Flexible payment terms

5-8%

Revenue uplift

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Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

  • Automated payables
  • Automated receivables
  • Flexible payment terms

5-8%

Revenue uplift

skip-up-line

Core revenue uplift*

Drive repeat and higher order values with your merchants and increase your share of wallet with access to superior products and multiple tier 1 bank and BaaS providers.

  • Automated payables
  • Automated receivables
  • Flexible payment terms

5-8%

Revenue uplift

Scroll through some articles

If you have a minute, take some time to learn more about embedded finance and how it can take your business ecosystem to a whole new level.

You’re sitting on an embedded finance goldmine in F&B

3 minute read 03/17/2025

Tackling the liquidity trap in merchant networks

2 minute read 10/30/2024

Optimizing cash flow in the food and beverage sector with embedded finance

5 minute read 02/28/2025

Owning the customer relationship: How embedded finance is redefining corporate success

4 minute read 02/06/2025

Fueling B2B success: The critical need for SME financing today

5 minute read 08/14/2024

Let's build what your network needs

FMCG business isn’t just about selling your product anymore, it’s about enabling your merchants to succeed. Let us help you create the financial tools they’ll thank you for.
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