Abound

Abound is a fintech company operating in the embedded finance space a fast-expanding corner of the financial services industry. They offer lending services directly through their own platforms. This isn’t just a cool tech trick it’s changing the way businesses think about credit and customer experience. Their customers include a wide mix tech platforms, digital marketplaces, gig worker apps basically any business that wants to offer credit without becoming a bank. Their unique value proposition abound blends advanced open banking data with responsible lending practices, helping platforms make smart credit decisions in real time.

Core Products and Services

• Embedded Credit Platform: At the center of what Abound offers is their embedded Credit-as-a-Service (CaaS) product. This tool lets businesses offer loans or credit products inside their existing platforms. 
• Smarter Underwriting with Open Banking: Traditional credit scoring can be pretty limiting, especially for freelancers or folks who don’t have a long credit history. Abound changes that with their open banking-powered underwriting engine.
• All-in-One Lending Infrastructure: Abound doesn’t just stop at credit decisioning—they offer a complete lending solution. That includes access to lending capital, collections, repayments and loan servicing. 

Business Model & Revenue Streams

• API Usage Pricing: Abound charges businesses based on how much they use its infrastructure. It’s a classic pay-as-you-grow model, which works especially well for startups or platforms that expect their lending volumes to ramp up over time.
• Partner Revenue Share: With some clients, particularly high-volume platforms, Abound works on a revenue-sharing basis. It’s a win-win setup: the more credit that flows through the system, the more both sides earn. 
• Interest Income from Lending Capital: When Abound provides the actual loan capital (rather than the platform doing so), it earns a share of the interest from those loans. While not always a primary income source, it becomes meaningful as the loan book scales.
• Compliance-as-a-Service: Getting regulated to offer credit in the UK can take years. Abound offers an alternative—clients can operate under Abound’s existing regulatory umbrella.