A shop owner handing a wrapped paper parcel across the counter to a returning customer at dusk
For Businesses That Earn Their Customers

Embedded lending that keeps the customer yours.

Embedded lending puts credit and value back inside your own checkout. Every transaction builds a relationship, and CredX keeps it yours: the customer, the data, and the loyalty.

A system you belong to, instead of one that owns you.

The business that earns the customer keeps the customer.

Today, your payment processor runs the transaction, and a competing credit facility keeps everything that comes after: who your customer is, what they spend, and when they return. Embedded lending puts that back in your hands. Your credit facility, your brand, your customer.

Three Voices, One Direction
The Merchant

The Merchant

“Your customers were already loyal. A competing credit facility was the only one charging you for it.”

You built the relationship and earned the trust, yet every transaction sends a piece of your margin to a system that does not know your customer by name. CredX gives that back: lower costs on every transaction, revolving credit in your own brand with no lending risk on your books, and a data view of who your buyers really are. A growing community of businesses, done handing their growth to a credit facility network.

The Customer

The Customer

“They have been the product for long enough.”

Every time a customer taps their card, someone they have never met profits from their loyalty, and they never see a cent of it. CredX changes that. Customers benefit from the value they generate, reach fairer credit, and keep more of what they earn where they already spend.

The Lender

The Lender

“Finally, credit that earns where the spending already happens.”

Community lenders have always been closer to their members than the big networks, yet the credit facility network always captured the transaction. CredX changes the rail with fund-embedded, merchant-linked credit at the point of sale. It is a diversified, closed-loop asset class with built-in delinquency controls, so risk stays managed.

One partnership across all three: CredX puts its own money into your business, then delivers that value to your customers under your brand. You keep the customer and the relationship, your customers keep more of what they earn, and community lenders fund the credit that makes it work.

The old system extracted value from all three. CredX returns it.

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Take Control of Your Business

The customer relationship is the asset no one gave back. Until now.

Three things become yours the day you sign a Merchant Network Agreement:

A composed business owner reviewing a simple customer-insights dashboard on a tablet at their counter

Your Customer.

The relationship stays in your business's name, not a competing credit facility's. The customer who walked in last week belongs to you.

Your Access to Data.

Consent-driven and de-identified, opt-in by default: which buyers return, which segments spend the most, and when demand peaks.

Your Value-Back.

A closed-loop value-back program in your own brand that gives customers a reason to keep spending with you, not down the street.

Your business name. Our infrastructure.

Everything the customer sees carries your brand. The embedded value platform, the compliance, and the credit run behind the scenes. The relationship is yours.

The Short Answers

Plain language, before the numbers.

Embedded lending is credit offered inside your own checkout, in your own brand, funded by a lender rather than a competing credit facility. The customer is approved in about 20 seconds, you are paid in full and upfront, and the relationship, the data, and the value-back stay with your business.

No. CredX runs on the value layer underneath your existing setup. Your POS, payment terminals, and management software all stay in place, and it requires no new hardware at the counter. Typical integration runs 4 to 8 weeks.

Yes. The relationship stays in your business's name, never a competing credit facility's. The credit your customers use and the value-back they earn carry your brand, so the reason they come back belongs to you. That is the movement: a system you belong to, instead of one that owns you.

More than most operators expect. Opt-in and de-identified, it shows which buyers return, which segments spend the most, and when demand peaks. That turns into staffing and stock decisions you no longer guess at, and a value-back program aimed at the customers most likely to return. Most businesses have never had this view of their own counter.

And Here Is What It Pays You Back

Three ways embedded lending puts money back in your business.

1

Interchange Recovery Runs from 40% up to 85%

Roughly $6,000 per $1M with CredX, against about $36,000 with competing credit facilities. On $1M a month, that is up to $30,000 staying in your business. That example sits at the top of the published range; across the range the same volume returns roughly $14,000 to $30,000, and results vary by volume and card mix.

2

Earn on the Credit You Used to Give Away

A merchant-linked credit facility in your own brand, approved in about 20 seconds at checkout, at roughly half the rate of a standard card. You are paid in full and upfront, and repayment risk stays with the community lender partners that fund the credit, never on your books.

3

See Your Business in Real Time

A monthly dashboard in plain language showing which segment drives revenue, when demand peaks, and who is about to lapse. It is the intelligence your current setup never handed you.

A UK retailer saw orders that used embedded lending run 321% larger than its standard PayPal transactions, with 35% of its PayPal sales choosing to pay over time (PayPal case study, Q1 2023).

$30K
Recovered per $1M, month one.
You keep
The customer, the data, and the loyalty.
20 sec
Credit approved at checkout.
Book a Demo

Move the slider to see what stays in your business.

Set your actual monthly card volume and watch the recovery add up over 12 months.

$1,000,000/month
$50K$1M$5M
Recovered with CredX
$172,800 to $367,200
per year
Get My Estimate

Recovery runs from 40% up to 85% of standard interchange, so the figure above is a range rather than a single outcome. Results vary by volume and card mix. Based on roughly $36K interchange per $1M with competing credit facilities, against $6K per $1M with CredX.

Built on Trust

An embedded value platform that enterprises can stand behind.

An independent business at dusk, warm light from inside spilling through the windows onto a quiet street
A homewares shop with shelves of ceramics and folded linens, a customer browsing in daylight
A sporting goods shop, an operator restocking apparel between racks of equipment
A baker restocking a display case of pastries and bread in a bright bakery
$500M+
in Merchant Network Agreements signed.
Lender-funded
Community lender partners fund embedded credit.
Regulatory compliant
Data is de-identified, consent-driven, and held to Canadian privacy law.

“We built CredX on one belief: the value belongs to the people and businesses who create it. That is the movement, and you belong in it.”

— Kendall, Founder, CredX
Be Part of the Movement

Ready to keep
your customer?

Join now and finish on your own time: one link, a guided form, and no back and forth. If you would rather talk it through first, book a meeting.

Join the MovementBook a Meeting

A system you belong to, instead of one that owns you.