NMI, a global leader in embedded payments infrastructure, has introduced NMI Business Capital, an embedded lending solution. This new offering allows software companies, ISOs, payment facilitators, and merchant service providers to provide pre-approved financing directly within their existing merchant portals.
For partners, NMI Business Capital is designed to enable them to assist merchants in accessing necessary funding, generate additional revenue, and avoid lending risk or increased workload. The solution integrates into existing merchant portals, removing the need for partners to manage underwriting, servicing, or compliance. Partners can monitor real-time data on adoption, loan performance, and commissions.
Merchants receive pre-approved offers based on their sales history, with funds typically arriving within one to two business days upon acceptance. Payments are automated as a percentage of daily sales, and pricing includes a transparent upfront fee without compounding interest, hidden charges, or late fees. Peter Galvin, Chief Growth Officer at NMI, noted, “With 88% of small businesses in the U.
S. reporting regular cash flow disruptions, access to funding has never been more critical. With NMI Business Capital, we’re helping our partners give their merchants an easy way to bridge that gap, so they can invest in their businesses when it matters most.”
Jordan McKee, Research Director at S&P Global Market Intelligence 451 Research, commented on broader industry trends, stating, “Increasingly, businesses expect that same level of integration for how they get paid and manage cash flow. In fact, 69% of SMBs say they would like their software partners to offer integrated financial products.” This highlights a demand for unified platforms that manage both operations and financial transactions.
NMI Business Capital is powered by Parafin, a company specializing in embedded financing solutions for marketplaces, vertical SaaS platforms, and payment processors. All loans provided through NMI Business Capital are issued by Celtic Bank.
NMI processes over $440 billion annually through its modular payment acceptance platform and gateway. The company serves over 4,000 technology partners, including SaaS platforms, ISOs, PayFacs, and banks, by providing tools for embedding payments into software or delivering payment services.
