Embed credit into your
Your customers need credit. Embed Aura and offer financing where they transact. We handle everything from underwriting to repayment.
Frequently asked questions about Aura Finance
What is Aura Finance?
Aura Finance is an embedded lending infrastructure provider for MENA. We give platforms the ability to offer credit to their SME customers without becoming lenders themselves. Aura handles underwriting, capital, compliance, and collections.
How does embedded lending work?
Platforms integrate Aura's API or white-label solution. When an SME needs credit, Aura underwrites the transaction using platform data, disburses funds within seconds, and manages repayment. The platform earns margin on every transaction without taking credit risk.
Which platforms can embed Aura?
B2B marketplaces, SaaS platforms, insurance companies, accounting tools, vendor portals, and payment platforms across MENA can embed Aura's credit engine. Any platform that serves SME customers and sees their transaction data is a candidate.
What does Aura handle for the platform?
Aura handles underwriting, capital deployment, regulatory compliance, and collections. Platforms and SMEs interact with a seamless credit experience embedded in the product they already use. The full lending infrastructure is invisible.
How long does it take to integrate Aura?
Platforms can go live in days with an ops-led pilot — no engineering required. Aura manages the initial transactions manually while you evaluate the product. White-label and full API integration options follow at the platform's own pace.
What Aura is
The credit layer you plug into
Give your platform the ability to offer credit without building a lending operation. We handle the underwriting, disbursement, and collections. You set the terms.
Platform integrates
Connect via white-label or API. Your customers see credit as a native part of your product. Your brand, your experience.
Aura underwrites
We assess creditworthiness in seconds using your platform's transaction data. No lengthy bank-style processes.
SME gets financed
We disburse, service the loan, and manage repayment. You earn margin on every transaction. Zero credit risk to you.
The problem
Building lending in-house is a company within a company
You see the data, but can't act on it
Invoice, order, and cash flow data tell you which customers are creditworthy, but you have no way to offer them credit.
Building it yourself is complex
Regulatory licenses, capital sourcing, risk models, collections infrastructure, compliance become new focus areas.
One integration. Credit unlocked.
Aura gives you the full lending engine without the overhead. Go live in days. Your customers get credit embedded directly in your product.
Integration
Start without engineers. Scale with APIs.
Go live in days with an ops-led pilot, then migrate to white-label or full API as you grow.
Start in days
Ops-led pilot
We run intial transactions outside the platform. You share your customer data; we handle decisioning and disbursement. No engineering needed.
- No dev resources needed
- We handle all operations
- Live in days, not months
Go white-label
Your brand, our engine
Credit lives inside your product. Embed a branded flow at your own pace as your integration needs evolve.
- Your brand, your experience
- Integrate incrementally
- Hosted or non-hosted
Go full API
Full control. Build any UX you want on top of our decisioning and capital infrastructure.
*API access available first to design partners.
Economics
Keep the upside, without bearing the risk
We take the credit risk and agree on a cost upfront. You decide what your customers pay and keep the difference.
Capital at risk
We finance the loans from our own capital. You never put up capital or take credit losses.
You set the margin
Add your margin on top of our cost. Whatever your customers pay above our rate is yours.
Sales growth
Platforms embedding credit globally see 31% larger orders and 70% lower churn.
Use cases
How platforms can use Aura
Every platform is different. Here's how embedded lending applies to some of the platform types in MENA.
B2B marketplaces
Buyers abandon carts because they can't get credit terms. Orders are limited by what buyers can pay upfront.
Buyer gets external financing, or you risk losing the sale entirely.
Embedded credit at checkout. Buyers purchase on 30/60/90-day terms and you grow GMV without credit risk.
Globally, platforms embedding buyer credit at checkout see 45% sales growth in six months.
Insurance companies
Insurers need the full premium upfront. SMEs take smaller policies they can afford, not the coverage they actually need.
SMEs choose cheaper policies where up front premium is affordable.
Premium financing embedded in the purchase flow. Full coverage, spread payments.
Increase quote-to-premium conversion. Increase average policy values.
Accounting tools
SMEs see outstanding receivables in their dashboard but can't accelerate cash flow.
External financing: often a multi-week process with a high rejection rate.
One-click invoice financing inside your accounting tool.
Increase customer retention by offering easy financing.
Vendor portals
Suppliers need early payment but corporates are locked into 60-90 day terms.
Suppliers restrict or delay operations due to working capital constraints.
Supply chain finance built into the portal, so suppliers can claim revenue early.
Strengthen your supply chain while earning margin on every early payment.
Technical credibility
Built for production
Aura is designed for the reliability and compliance requirements that production lending infrastructure demands.
What you get from day one
- Dedicated ops teamWe run credit operations on your behalf. No integration needed to start.
- Direct team supportYou deal with the people building this, not a support queue.
- Fast onboardingDays, not months. We do the heavy lifting to get your first customers funded.
Deeper integration as you grow
- REST API + webhooksProgrammatic credit checks, decisions, and real-time event callbacks.
- White-label UI componentsDrop our pre-built flows directly into your product with your branding.
- Developer documentationFull API reference, integration guides, and sample code.
Ready to embed credit?
Tell us about your platform. We'll assess fit and show you exactly how the integration would work.
Talk to us →