Lendflow and Experian partner to simplify small business lending

A new collaboration between Lendflow and Experian aims to transform how small business owners access finance, creating a faster and more secure way to apply for loans directly through Experian’s app.

The partnership integrates Lendflow’s embedded lending infrastructure into Experian’s existing digital platform, offering users a centralised marketplace of vetted lenders and near-instant loan options. Entrepreneurs can now complete one simple application to view tailored offers based on cash flow, credit score, industry and business history.

“Small business owners are an important audience for our Marketplace platform, and access to growth capital is one of their biggest needs,” said Rakesh Patel, Executive Vice President of the Experian Consumer Services Marketplace. “Our partnership with Lendflow has allowed us to create a unique financing experience, in which our customers can focus less on paperwork and more on building their businesses.”

Lendflow’s CEO Jon Fry described the collaboration as part of a wider mission to make capital more accessible for entrepreneurs. “Through our partnership with Experian, we have helped them deliver a customised embedded ecosystem for loan offers that best aligns with their customers’ needs, seamlessly and securely,” he said.

The integrated system is powered by Lendflow’s technology suite, including:

• Lendflow Connect: a network of lenders offering real-time funding options.
• Lendflow Intelligence: a data-driven tool that analyses applications to generate accurate scoring.
• Lendflow Automate: workflow software designed to reduce friction from start to finish.

Both companies emphasise security and data protection as key features of the new platform. The embedded marketplace gives business owners control over their financial data and connects them directly to trusted lenders.

Experian, which is listed on the London Stock Exchange (EXPN), operates in more than 30 countries and supports businesses across finance, healthcare, and insurance sectors.

The partnership signals a growing shift toward embedded finance, an approach that integrates lending tools into familiar digital environments. For many small business owners, this could mean less time managing paperwork and more time focusing on growth.

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