Cat-14 · T168 · Embedded Finance & BaaS Infrastructure

Embedded Lending Unit Economics

Model B2B embedded lending programme economics: origination cost, APR, default rate, loss curve, cost of capital, and servicing overhead. Outputs Net Interest Margin (NIM), Expected Loss (EL), Risk-Adjusted Return on Capital (RAROC), break-even default rate, and Markdown unit economics memo.

Embedded Lending NIM · RAROC B2B Credit Zero PII Client-Side

Last Reviewed · 2026-05-12

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⚠ Scope: B2B and commercial lending only. Consumer BNPL economics belong in Cat-16 (T184–T185). This tool does not constitute credit advice — outputs are for programme design and investor modelling purposes only.

Lending Programme Parameters

Lending Product Type

Average Loan / Facility Size (USD)

Annual Portfolio Originations (USD)

Gross APR Charged to Borrower (%)

All-in rate including fees if capitalised

Cost of Capital / Funding Rate (%)

Warehouse facility rate, ABS cost, or equity hurdle

Annual Origination Cost per Loan (USD)

Underwriting, onboarding, docs, credit bureau pulls

Annual Default Rate (% of portfolio)

Loss Given Default — LGD (%)

% of defaulted balance ultimately lost after recovery

Annual Servicing Cost (% of portfolio)

Payments processing, collections, customer support

Loan Term (months)

Capital Requirement (% of portfolio)

Regulatory or economic capital allocated

Configure lending parameters and click Model Unit Economics