Equipifi provides a white‑label platform that lets banks and credit unions embed real‑time pre‑purchase funding and post‑purchase installment splitting into their digital banking apps. The solution includes loan‑lifecycle management, risk controls, analytics and API integration with core banking systems, enabling institutions to offer pay‑over‑time options on debit cards, checking accounts and other transactions while driving member engagement and revenue.
Funding
$14.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
TFFounders
Product
Problem
Financial institutions often lack integrated, real‑time flexible payment and buy‑now‑pay‑later (BNPL) capabilities within their existing digital banking platforms, limiting their ability to offer on‑demand financing and to capture additional revenue from member transactions.
Solution
Equipifi delivers a white‑label platform that enables banks and credit unions to embed pre‑purchase real‑time funding and post‑purchase installment splitting directly into their online and mobile banking experiences. The solution provides end‑to‑end loan lifecycle management, risk controls, and analytics, all built to integrate with core banking systems via APIs. By offering pay‑over‑time options on debit cards, checking accounts, and other transactions, institutions can increase member engagement, drive higher spend, and promote financial wellness while maintaining full regulatory compliance.
Target Audience
Primary customers are banks and credit unions seeking to embed BNPL and flexible financing features into their digital banking channels for retail members.
Features
- Pre‑purchase product that authorizes real‑time funds at checkout, giving members immediate purchasing power
- Post‑purchase product that splits larger transactions into manageable installments after the spend
- Integrated loan‑management module for tracking, servicing, and collections of installment loans
- Risk‑management engine allowing customizable underwriting rules and real‑time fraud detection
- Real‑time reporting dashboard delivering program visibility, performance metrics, and member insights
- Marketing tools to promote flexible‑payment offers and drive adoption across digital channels
- API‑based integration layer that connects seamlessly with existing banking cores and digital platforms