Boost your business with AI-driven Embedded Finance
We change traditional methods of assessing working capital. Thanks to our unique revenue-based financing solutions and technology platform, powered by data and AI, your merchants can get the money they need to grow quickly.
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Trusted by Companies Worldwide:
Our Solutions
Make Business Worthy
+35 %
Increase in merchants revenues
98 %
Customers would recommend us
82 % +
Customers regularly
renew their funding
10 min.
Merchants can get funding in as little as few minutes and clicks
“Our mission is to disrupt traditional business financing through big data & AI, and to help SME grow and achieve their dreams.”
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Jan Lastuvka
CEO & Founder, Lemonero
We Craft Fintech Products
Lending as a service
for PSP’s / Acquirers
Our white-label lending solution enables PSPs, eCommerce and SaaS platforms to deliver revenue-based financing options to their underfinanced SMB merchants
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Software as a Service
for Banks and Neobanks
With our cutting-edge modular embedded finance platform we empower banks to provide SME customers seamless credit experience through digitalized and simplified onboarding
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Software as a Service for eCommerce, Platforms and Marketplaces
We provide our financing solution and technology to your PSP, eCommerce or SaaS platform as a distributor cooperating with your local bank as a lender
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Lending as a service for PSP’s / Acquirers
Boost your merchant's business by offering them flexible financing with Lemonero acting as a lender and technology partner cooperating with all necessary local players.
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About Product:
Our white-label, full-service lending solution seamlessly integrates with your omnichannel payment platforms, marketplaces, SaaS and eCommerce platforms, helping to provide instant capital to your underfinanced SME merchants.
According to our research, over 60% of merchants needed funding to start, run, and grow their businesses in the last 2 years. Traditional banks cannot satisfy their needs for working and growth capital. With Lemonero Embedded Finance you can offer fast, smart and revenue-based financing directly to your merchants under your own brand.
Why To Choose Lemonero:
Fully embedded
Everything is online and under your own brand. Simple and fast - cash in the bank account of the merchant in less than 10 minutes.
Transparent
Transparency is our core value: customers instantly see the final amount, including all fees. No hidden conditions.
AI Scoring model
Our AI-powered scoring model and machine learning capabilities enable us to approve more applications and offer higher funding amounts.
Revenue-based
Repayment period depends on the performance of your clients. When their cash-flow is higher, they repay faster.
Let us Integrate!
Benefits:
Increase transaction volume
Boost merchant growth
Find new & recurring revenue streams
Increase overall lifetime value
Reduce client churn
Raise retention rates
Client Says:
“Lemonero embedded financing supports the growth of our clients. They would otherwise have to rely on their own capital, which is often not enough to achieve full potential of their business and thus fulfil their dreams. Moreover, the newly provided service GoPay Financing will prevent our clients from loss and subsequential running out of business. All this will lead to the overall growth of e-commerce.“
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Petr Vaňek
CEO, GoPay (Worldline group)
Trusted by Companies Worldwide:
Software as a Service for Banks and Neobanks
Boost your profitability in SME Financing with you as a lender and distributor, and Lemonero as a technology and support partner.
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About Product:
Our modular Software as a Service technology platform is tailored for banks and other financial institutions, empowering them to orchestrate, digitalize and automate their SME lending processes. Our platform offers an easy way to enhance risk assessments with AI-driven behavioral scoring and new data inputs, enabling automated real-time decision making.
Why To Choose Lemonero:
Fully embedded
Everything is online and under your own brand. Simple and fast - cash in the bank account of the merchant in less than 10 minutes.
Transparent
Transparency is our core value: customers instantly see the final amount, including all fees. No hidden conditions.
AI Scoring model
Our AI-powered scoring model and machine learning capabilities enable us to approve more applications and offer higher funding amounts.
Revenue-based
Repayment period depends on the performance of your clients. When their cash-flow is higher, they repay faster.
Let us Integrate!
Benefits:
Increase transaction volume
Boost merchant growth
Find new & recurring revenue streams
Increase overall lifetime value
Reduce client churn
Raise retention rates
Trusted by Companies Worldwide:
Software as a Service for eCommerce, Platforms and Marketplaces
Boost your profitability in SME Financing with you as a distributor, local bank as a lender, and Lemonero as a technology and support partner.
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About Product:
Our Software as a Service (SaaS) solution combines cutting-edge technology with comprehensive support, empowering distributors to offer localized SME financing. Lemonero provides the technology backbone, allowing local banks to serve as lenders while you, the distributor, manage relationships and distribution channels.
This partnership allows you to increase profitability by leveraging Lemonero’s AI-powered risk assessment tools, automated decision-making processes, and modular lending platform to deliver seamless, instant financing solutions tailored to your local market needs.
Why To Choose Lemonero:
Streamlined Process
We streamline your processes to reduce costs and enhance the efficiency of SME lending.
Easy Onboarding
We simplify, automate, and fully digitalize your onboarding processes to save time and minimize manual intervention.
AI behavioral risk assessment
We accelerate decision-making with AI-driven risk scoring, enabling faster access to cash for your SME clients.
Transparency
We improve 'first-time-right' and quality of the decision-making.
Let us Integrate!
Benefits:
Unleash your SME potential
Boost digitalization
Find new & recurring revenue streams
Reduce cost
Shorten time to cash
Seamless integration
Client Says:
“We’ve achieved a great amount of success with embedded financing by Lemonero. Thanks to focusing on our customers’ funding and cash-flow needs, we’ve built a strong position on the market, increased our own revenue and even raised the lifetime value of our clients.”
Jakub Kovac
Head of Strategic Partnerships, Mall
Trusted by Companies Worldwide:
AI-Financial analytics
Our super-intelligent application, supported by conversational AI and chatbot, is helping merchants to unlock opportunities with useful tips, triggers, and predictions to improve their performance and financial health.
Let us Integrate!
Benefits:
Improve competitive edge
Powerful metrics and KPIs
Continuous innovations
Growth data insights
Lemonero helped me increase sales during the Christmas season.
"It's a great service, especially when you need to buy more stock for the holiday season and need money quickly. Speed, clear terms, and excellent communication. We're very satisfied and will definitely use it again."
Tomáš Kocanda
Owner of e-shop Techgear
Thanks to financing from GoPay, the grass seed e-shop is green even in winter
"We are a seasonal company, so the flexibility of loan repayments is really interesting for us. The whole process was exactly as easy as you describe - so very satisfied!'
Tomáš Šena
Founder of Greenkeeping
How ProgresGuru is Growing with GoPay Financing by Lemonero?
"Over the past three years, we have used financing five times, each with different terms tailored to our current needs. This level of flexibility is invaluable in e-commerce."
Jan Linhart
CEO of ProgresGuru.cz
Boost your business.
Support your customers.
Fully embedded lending solution provides added value to your customers.
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Our Solutions Make End Customers Happy
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