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

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Embedded finance isn’t some tired business trend, it's the biggest shift in finance since online banking. It isn’t even a “nice-to-have” anymore, it's how finance will be done in the future. For companies willing to act now and establish dominance, it’s practically printing money in real time. Period.

Look at Toast. They’re not just a restaurant management system, they are processing restaurant payments and embedding finance into their platform, turning these into an unstoppable revenue engine. In 2024, their financial technology solutions revenue was $3.81 billion, representing 77% of their total revenues last year (source: Toast financials 2024). By integrating payments and lending solutions directly into their ecosystem they have totally transformed their business model. Every time a restaurant runs a transaction, Toast is taking their cut off the top.

Or take Uber Eats. They didn’t just build a food delivery empire, they harnessed finance. Their embedded lending program in Mexico is locking local restaurants into Uber’s ecosystem, ensuring they never leave because of how good they have it. You're a small restaurant and need cash for inventory or a new fridge because the old one broke down? Uber Eats will offer you financing at great rates or work out an easy payment plan with you. Want more customers? Take the free marketing credits they give you when you borrow (up to 5% of their loan amount in credits). Want to open a new location and need a loan? They can track how your restaurant has evolved and know you’re good for it. Uber Eats is making money twice: on a bit of interest off the loan and on increased platform engagement.

This is happening right now. Toast and Uber Eats aren’t standing on the sidelines, they're acting decisively and resolutely. If you’re running a business and still treating finance as something separate, you’re leaving millions on the table. Your competitors won’t. They’ll embed financial services into their platforms, own their merchants’ cash flow, and lock in merchant and customer loyalty for generations.

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How Toqio can help you tap into new revenue streams

For companies managing networks of food and beverage business partners, whether it’s distributors, wholesalers, bars, restaurants, corner shops or delivery services, finding ways to improve operations and boost revenue is always top of mind. Rising operational costs, supply chain disruptions, and labour shortages are pushing margins tighter and making it harder to stay competitive. But these challenges also present an opportunity to rethink how you drive growth.That’s where embedded finance solutions come in, helping streamline cash flow, create new revenue opportunities, and simplify financial processes for both businesses and their partners.

Take, for example, our work with a large European brewery and distributor. We proposed a unified, branded banking solution that provides each establishment with a card reader, returning over 1% of revenue to the brewery. This innovative solution replaced their outdated "branded bars" strategy, which had lost its appeal and led to missed opportunities and merchant churn.

With this new approach, each establishment now has a linked bank account to streamline cash flow management. Additionally, the brewery is offering flexible business financing through an alternative lender in Toqio's partner network. As a result, the company is poised for a 30% increase in top-line revenue over the next few years, driven by both existing sales and new revenue streams.

Here’s how Toqio’s platform aligns with your needs today:

Driving Core Product Growth

F&B markets today are highly competitive and over-commoditized. Standing out has never been harder. Toqio helps businesses achieve this by integrating sales-linked financial solutions that connect commercial products with financial products. For example, by linking volume discounts to financing options, businesses can boost sales and enhance customer loyalty, ultimately improving sales consistency.

By offering differentiated commercial terms through tailored financial products, businesses can create more value for their SME merchant partners, strengthening their position within their distribution network.

Unlocking Trapped Liquidity

Liquidity constraints among SME merchant partners can disrupt payments, orders, and sales, destabilizing the entire supply chain. Toqio addresses this by providing working capital solutions that allow corporates to support their merchant partners with flexible payment terms and on-demand credit.

By offering faster access to cash through real-time payments, businesses can help SMEs manage their working capital needs, leading to a more stable environment for sales and growth. This directly impacts key financial metrics like Cash Flow and Accounts Receivable Turnover.

For example, by speeding up payment collections, businesses can improve their Accounts Receivable Turnover, reducing the time it takes to collect payments and allowing them to reinvest that cash into operations faster.

Optimizing Cash Flow

Managing cash flow efficiently is critical, especially for large F&B businesses overseeing complex distribution channels. Inefficient payment processes and high transaction costs can create significant bottlenecks. Toqio helps streamline payment processing by offering digital solutions like point-of-sales (PoS) systems, bank-to-bank payments, and Payment Initiation Services that speed up collections and improve financial transparency.

By automating payment reconciliation, F&B businesses reduce administrative costs and improve accuracy in financial reporting. This allows companies to gain real-time visibility into cash flow, providing the flexibility to adjust payment terms, optimize inventory, and improve agility.

Speeding up collections not only improves merchant cash flow but also enhances the cash conversion cycle, allowing businesses to reinvest capital into inventory and growth opportunities faster.

Conclusion

With Toqio, you can unlock new revenue streams and drive business growth. Our platform lets you launch a single branded solution globally while tapping into the best local financial services partners. Easily deploy tailored financial solutions across regions, product lines, or business units, whether on-trade or off-trade.

Toqio also enables you to create custom embedded finance products that cater to global, local, or client-specific needs. Distribute financial solutions from top providers without worrying about compliance, letting you focus on what matters most: growth.

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