LendingUSA Embedded Financing: Case Study

LendingUSA, founded in 2015, has quickly emerged as a leader in the lending industry, offering businesses innovative embedded financing solutions. With over 10,000 merchants enrolled and more than $1.3 billion in loans originated, LendingUSA has proven its ability to fuel growth and provide businesses with the tools they need to succeed.With an impressive 4.7 out of 5 stars from over 4,000 customer reviews and numerous industry awards—including being named Emerging Lending Platform of the Year—LendingUSA has established itself as a trusted partner in the world of finance.

But what truly sets LendingUSA apart is its deep-rooted expertise in both technology and risk management, providing businesses with the tools they need to scale efficiently and confidently. Let’s take a closer look at one of the most notable success stories that demonstrate how LendingUSA’s embedded financing can help businesses thrive.

The Success Behind the Byte & Alter Partnership

Blake Johnson and Scott Cohen, co-founders of Byte, achieved remarkable success in their entrepreneurial journey. Byte, a leading health-tech company, was sold for an astounding $1.04 billion in cash—a transaction that became a case study at Harvard Business School. The key to their success? Control over their in-house financing solutions, which provided them with a competitive edge in their industry.

After their success with Byte, Blake and Scott went on to found Alter, a connected Med-tech company that personalizes fitness and wellness plans based on an individual’s DNA and real-time biometric data. As Alter began to scale, Blake and Scott realized that having control over financing would once again be crucial to their continued success.

After interviewing numerous financing providers, they selected LendingUSA as their embedded financing solution. Here’s why:

World-Class Platform

LendingUSA’s cutting-edge technology and seamless integration made it the ideal choice for Alter. The platform’s ease of use and scalability allowed Alter to scale its business efficiently while offering customers flexible payment options.

Expertise in Risk Management

Blake and Scott knew that having an expert partner in risk management was crucial for their business. LendingUSA’s deep understanding of both technology and risk gave them the confidence they needed to grow their business without worrying about the complexities of financing.

Scalability

LendingUSA’s embedded financing solutions are designed to fuel long-term success. By offering flexible, customizable financing options, LendingUSA helped Alter enhance its customer experience while driving significant growth to their bottom line.

What Blake & Scott Had to Say

Blake Johnson, co-founder of Byte & Alter, summed it up best:
Having control of your own lending program is one of the most important competitive advantages a business can have. After interviewing numerous firms, we found that LendingUSA checked all the boxes.

Scott Cohen, co-founder of Byte & Alter, echoed this sentiment:
Their embedded financing program has been transformative—boosting conversions, simplifying payment options, and building lasting trust with our clients—all while driving significant growth to our bottom line.

LendingUSA’s Reputation Speaks for Itself

LendingUSA’s collaboration with Byte and Alter is just one example of how their embedded financing solutions have helped businesses of all sizes achieve success. The platform’s robust technology, risk management expertise, and scalability are what make LendingUSA the ideal partner for businesses looking to grow.

With over $1.3 billion in loans originated and a proven track record of success, LendingUSA is well-equipped to provide businesses with the tools and expertise they need to thrive. Whether you’re looking to enhance customer satisfaction, boost revenue, or simplify financing options, LendingUSA’s embedded financing solutions are designed to help you achieve your goals.

Ready to take control of your business’s financing? Contact LendingUSA today to learn more about how we can help you unlock the power of embedded financing.


Results may vary, and businesses should evaluate their own circumstances before implementing embedded financing solutions. Outcomes and interest rates depend on various factors, including customer credit profiles, loan performance, and the selected risk tiers. Participating businesses assume financial risk, including potential losses from loan defaults. Businesses should carefully assess their risk tolerance and consult with financial professionals before proceeding. All loan approvals are subject to credit evaluation and may vary based on customer creditworthiness. Interest rates and terms are disclosed to customers during the application process. By contacting us, you consent to our collection and use of your information in accordance with our Privacy Policy.

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