From simple vendor to true business partner

Flexible credit and spend management solutions embedded anywhere

The challenge

Providing needed capital to SMBs quickly

Businesses today must continue to evolve—rapidly—in order to always meet the changing needs of their customers. But without access to the capital required to fund that evolution of their business, 82% of them fail because of poor cash flow management. Here’s what they’re seeking now.

Easier access to capital

SMB customers need to cover day-to-day expenses, supply inventory, and grow the business

Stronger credit profiles

Business customers need good credit, but don’t have time to build it—they need capital now

Better spend management

Managing overspend, tracking expenses, and minimizing the risk of fraud is hard and cumbersome

Employee spend enablement

Employees need to make business purchases, and employers need to ensure that spend is appropriate

The Solution

Get more value out of business spend with embedded finance

Create a stickier value proposition, issue cards at scale, offer customized financial products, and create revenue-generating opportunities for your business customers—all with embedded finance.

Build Loyalty

Transition from a vendor to a valued business partner by leveraging your customer insights to extend a line of credit—elevating spending power and fostering growth

Differentiate Yourself

Expand your product ecosystem and meet the unique needs of business customers with an intuitive user experience, granular controls, and account hierarchies that put your customers in control

Accelerate Acquisition

Tailor rewards and incentives that resonate with customers, establishing a value proposition that drives acquisition and sustains long-term engagement

Grow Revenue

Expand revenue-generating opportunities by embedding commercial financial solutions that can drive profit for your business

Why now

Businesses rely on access to capital for growth. Embedded finance delivers it.

A lack of access

70% of small businesses report difficulty accessing capital, and 76% say that difficulty accessing affordable capital has negatively impacted their business ¹

Card issuers have a growing market opportunity

41% of SMBs say corporate credit cards are the financing source they will most likely to use in the next year ²

SMBs rely on access to credit for growth

Credit cards are the most common source of business financing, followed by working capital loans and merchant cash advances

Businesses want to control their own futures

Commercial credit solutions with customizable features, fine-tuned controls and the ability to instantly adjust card programs in real-time give businesses more power to control their own futures

Why Marqeta

Our proven solutions

Get greater growth

Help your customers boost their spending power and growth with embedded commercial financial solutions directly within your platform.

Use better tools

Faster applicant decisioning, customizable features, fine-tuned controls and the ability to instantly adjust your card program in real-time.

Build loyalty

Launch a commercial credit offering that includes end-to-end rewards management, accrual, ledger, and redemption.

You don’t need to have all the answers. Let’s figure it out together.

Let us help you see if these are the right solutions for your customers. Embedded finance solutions can seamlessly integrate with your platform to help business customers access the capital they need to accelerate their growth. And we can help you figure out how to best support them.

Get started

Explore more ways embedded finance can boost your business

Acquisition and Loyalty

Employee Financial Needs

Controlling Business Spend

1. Goldman Sachs 10,000 Small Businesses Voices, September 2023

2. What’s Next in Credit: Why SMBs Prefer Corporate Credit Cards for Short-Term Financing, PYMNTS Intelligence, 2023

Flexible credit and spend management solutions embedded anywhere

Providing needed capital to SMBs quickly

Get more value out of business spend with embedded finance

Build Loyalty

Differentiate Yourself

Accelerate Acquisition

Grow Revenue

Businesses rely on access to capital for growth. Embedded finance delivers it.

A lack of access

Card issuers have a growing market opportunity

SMBs rely on access to credit for growth

Businesses want to control their own futures

Our proven solutions

Get greater growth

Use better tools

Build loyalty

You don’t need to have all the answers. Let’s figure it out together.

Explore more ways embedded finance can boost your business

Acquisition and Loyalty

Employee Financial Needs

Controlling Business Spend

Solutions

Product

Features

Developer

Company

Legal

Providing needed capital to SMBs quickly

Build Loyalty

Differentiate Yourself

Accelerate Acquisition

Grow Revenue

A lack of access

Card issuers have a growing market opportunity

SMBs rely on access to credit for growth

Businesses want to control their own futures

Get greater growth

Use better tools

Build loyalty

Acquisition and Loyalty

Employee Financial Needs

Controlling Business Spend

Our proven solutions

Explore more ways embedded finance can boost your business