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 v1.0
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. ⚠ 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
All-in rate including fees if capitalised
Warehouse facility rate, ABS cost, or equity hurdle
Underwriting, onboarding, docs, credit bureau pulls
% of defaulted balance ultimately lost after recovery
Payments processing, collections, customer support
Regulatory or economic capital allocated
Configure lending parameters and click Model Unit Economics

Regulatory citations in this tool are subject to the reliance notice.