Unit Announces Ready-to-Launch: Embedded Capital, Banking and Bill Pay Solutions

Today we’re making Unit’s biggest announcement to date: Ready-to-Launch solutions. They help software companies offer a full money dashboard to their customers: Capital, Banking and Bill Pay.

What's new? Ready-to-Launch eliminates the typical build cycle for embedded finance. Instead of hiring engineers, managing customer service, and handling financial risk, you get:

• 3-week launch with just one line of code
• Zero upfront investment - we handle all operations
• Revenue share from day one
• No financial or operational risk - Unit handles this

These new Ready-to-Launch solutions are available alongside our Custom build option. You can see them in action here:

The Embedded Finance Shift

When we founded Unit in 2019, we saw companies like Shopify and Gusto dominating their markets by embedding financial services directly into their platforms. The formula was clear: software + finance = customer stickiness and new revenue streams.

The data proves this shift is accelerating. More than half of businesses now run on vertical-specific software—a 60% jump in just six years. Even more telling: these vertical software companies generate over 50% of their revenue from embedded finance, not just their core software.

Over the past five years, we've helped industry leaders like Honeybook*, Homebase*, and Roofstock* tap into this opportunity. Today, Unit processes over $40 billion in transactions annually for almost 2 million end-customers through our banking partners.

But here's what we've learned: while thousands of companies want to follow this playbook, most feel stuck by the complexity and upfront investment required to get started

Many companies launching embedded finance face four major barriers:

• Build: Engineering and product resources to implement the solution
• Operate: Managing new day-to-day operations on top of core business
• Profit: Handling financial risk, including fraud prevention
• Succeed: Driving customer engagement with new financial offerings

Introducing Ready-to-Launch Solutions: The Ultimate Simplicity

Ready-to-Launch eliminates every one of these barriers: the product is built and maintained, Unit operates it, we pay you a revenue share, and we help drive adoption. We're announcing three Ready-to-Launch solutions which can be launched with just 1 line of code:

Capital: Turn cash flow gaps into revenue opportunities 

When your business customers need working capital, they can apply for credit lines and access funds quickly - keeping them engaged with your platform.

Banking*: Become your customers' primary financial relationship 

Replace their business bank account with your branded solution. Customers get quick access to funds, yield earnings, and physical + virtual cards - while you capture insights and earn revenue.

Bill Pay: Own their entire financial workflow 

Control the full accounts payable process from invoice upload to payment execution. Support same-day ACH, checks, push-to-card, wires, and many other payment types end users have come to expect from their digital banking experience - positioning your platform as indispensable to their operations.

These money solutions are designed to fit seamlessly into any SaaS product and can be launched in just three weeks. They also connect directly with your existing payment processor. Our customers accept payments with Stripe Connect, Worldpay, Adyen, Rainforest, and more.

How It All Fits Together

While each solution is powerful individually, combining them offers even greater capabilities to small businesses.

For example, pairing Banking and Bill Pay enables your customers to view both their current balance and projected balance based on upcoming payables, providing critical insight into future cash flow.

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These powerful combinations can help ambitious vertical SaaS companies become the all-in-one operating system their customers need — immediately. We've witnessed companies like Shopify evolve into the financial hub for e-commerce businesses. Now, these tools are within reach for any software platform ready to win its category.

Win Your Market with Embedded Finance

Ready-to-Launch is already seeing impact across multiple industries: retail, home service businesses, incorporation services, medical practices, and nonprofit software. Thanks to these partnerships, 50,000 businesses now have access to better financial services.

"Our goal is to bring more financial tools directly into our platform. Unit’s latest product helped us go live fast and gave us the confidence to expand our offering with business banking and beyond."

Kyle Bruce – SVP, Operations, Lavu Inc.

Why It Works For Banks

Ready-to-Launch directly addresses banks' primary concerns: risk management and expanded customer acquisition. By centralizing oversight in one consistent environment, this solution transforms how financial institutions can monitor and scale embedded banking products while reaching new customer segments through vertical SaaS partnerships.

"We were excited to partner with Unit on this offering as it provides both the co-brand partners and banks the tools to be successful when it comes to embedding financial products. The documentation Unit provided to us to underwrite the program and the information they equipped our Board and regulators with before launching our first Ready-to-Launch clients was incredibly helpful. They have taken a thoughtful approach to helping both the co-branders and bank customers." 

Leslie Andersen, CEO of I3 Bank.

What's Next

Today's announcement marks a significant milestone for Unit, our existing customers, and our future partners. But we're even more excited about what's to come as we build our vision for vertical SaaS companies that will become their customers' command center — owning experiences across accounting, payroll, and beyond.

Our future roadmap includes creating a true all-in-one financial hub for small businesses with enhanced platform connectivity and global coverage.

This is just the beginning of our journey to democratize embedded finance. 

If you'd like to learn more, get in touch today to see a quick product demo.

Itai Damti

Co-founder & CEO, Unit

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_{*HoneyBook, Inc. is a financial technology company and is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC.  Homebase and Roofstock are financial technology companies and are not a bank. Banking services provided by Thread Bank, Member FDIC. Unit is a financial technology company and is not a bank. Banking services for ready to launch  are provided by i3 Bank, Member FDIC. The Unit and related Saas branded Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.}