Enity

Enity sits at the intersection of embedded finance and merchant payments, letting businesses embed lending directly into their checkout flows. Rather than forcing customers to apply for credit elsewhere, Enity's API lets companies offer point-of-sale financing instantly—think Buy Now, Pay Later but more flexible and customizable. The platform handles underwriting, decisioning, and funding, meaning merchants don't carry the credit risk themselves. It's the kind of infrastructure that makes sense as e-commerce and marketplaces mature beyond simple transaction processing. Enity works across Europe, tapping into fragmented credit markets where unified APIs for embedded finance remain rare. The company positions itself against both traditional BNPL providers—which often dictate terms to merchants—and against the friction of integrating multiple lenders. Its real edge is speed and developer experience: getting live takes days, not months. For merchants handling high-value transactions or B2B sales, Enity's underwriting engine and multi-lender orchestration solve a genuine pain point. The rise of embedded lending means platforms like this will become table stakes for any serious commerce infrastructure player.