At Raistone, we’ve long understood that embedded finance isn’t a temporary trend, and neither is the need for scalable, tailored working capital solutions. It’s the future of business-to-business (B2B) transactions. The need for integrated financial solutions is becoming increasingly critical for technology companies looking to maintain a competitive advantage, drive growth, and improve client relationships.
Read on to learn about the trends driving growth in embedded finance and how technology platforms are transforming their value proposition to better serve their clients.
Building a network of strong alliances
The past year has been pivotal for Raistone and our partners, not only due to our growth but also because of our continued commitment to redefining what’s possible for platforms looking to bolster their business model by offering customized working capital solutions, providing both a competitive edge and additional revenue.
We identified key partners across multiple technology verticals that align with our core value propositions — such as offsetting decreasing revenue margins, reducing the need for additional systems, and increasing client retention and financial health.
By designing strategic go-to-market plans and roadmaps, we were able to achieve significant market growth in several platform types and industries.
These synergistic partnerships allow us to develop a technology ecosystem, balancing our expertise with platforms in our network and creating a cohesive solution for businesses.
The Raistone ecosystem: Complimentary platforms
Raistone strives to help businesses access working capital through their established systems. We’ve established a range of complimentary solutions to expand our opportunities for growth in the coming year and beyond, allowing us to help businesses gain access to capital through their most trusted networks.
Enterprise Resource Planning (ERP) systems have been central to our strategy, acting as the backbone for many platform partnerships. By integrating with ERPs, we provide businesses with seamless access to working capital, maximizing the value of enterprise data and connecting with other critical systems.
Our collaboration with accounts payable (AP) automation platforms has enabled businesses to optimize payment cycles while offering liquidity solutions to accelerate supplier payments. When integrated with ERPs, these platforms benefit from superior data accuracy and greater workflow efficiency.
Through integration with accounts receivable (AR) platforms, we help businesses monetize receivables faster, boosting cash flow. By connecting AR platforms with ERPs and AP systems, we are streamlining processes for transaction validation and modifiable financing options.
Treasury Management Solution (TMS) platforms integrated with ERPs provide businesses with real-time cash flow visibility, ensuring liquidity solutions — such as Accounts Receivable Finance (ARF) and Supply Chain Finance (SCF) — are based on accurate, dynamic data.
Partnerships in the payments space allow platforms to embed financing options directly within workflows. Integration with ERPs enhances these solutions, leveraging enterprise data for more precise and timely financing options.
Procure-to-Pay (P2P) platforms integrated with ERPs facilitate enhanced data sharing, improving supply chain efficiency. Our financing options add further value by ensuring liquidity for both buyers and suppliers, driving smoother procurement processes.
By collaborating with healthcare procurement platforms, we have addressed sector-specific challenges, streamlining payment processes and providing sophisticated financing solutions for the complex procurement environment in the industry.
For B2B eCommerce platforms, embedding financing options directly into transactions reduces friction and enhances the purchasing power of buyers. Integration with ERPs further supports efficient inventory management and order processing.
How the partnership ecosystem works
Raistone aligns with each partner, taking care to identify how we can best suit their unique needs. We define the demand and prove the case through a controlled referral program and pilot process, followed by an established on-network referral agreement. With this in place, we build out integrations to best fit their platform.
The overall system’s strength is in its ability to facilitate collaboration between platforms, allowing for alliances and strength in market share in embedded working capital finance. For example, ERPs alongside AP and AR systems, when seamlessly integrated, enable smoother data sharing that validates receivables and payables for elevated working capital solutions. Integrated TMS platforms create real-time cash flow visibility, ensuring that liquidity solutions are more dynamic and precise.
Together, these platforms represent a total addressable market (TAM) that is estimated at approximately $20 trillion in receivables volume annually, with roughly $4 trillion in outstanding invoices on any given day in the U.S. This immense opportunity positions us to provide liquidity and finance solutions at an unprecedented scale.
As a result, platforms stand to gain a competitive edge by embedding our solutions, driving user satisfaction, and generating incremental revenue streams. Plus, clients unlock faster access to working capital, enabling growth, increased cash flow, and operational efficiency.
Creating shared value for all stakeholders
One of the key advantages of our technology is its scalability. Whether you’re managing an ERP system, a spend management platform, or a B2B eCommerce solution, Raistone can offer easy access to financial services that were previously inaccessible or incompatible for many. By eliminating the need for additional tools or processes, we simplify the financial operations of our partners, allowing them to focus on what they do best.
A partner-centric approach to embedded finance
When platforms are working well together — sharing data, processes, and integrations — it can enhance their collective competitiveness.
Ecosystem alliances, where multiple platforms collaborate with Raistone as a central partner, have demonstrated that combined effort produces results that exceed what each individual component could achieve on its own. Platforms that embraced this collaborative mindset unlocked more value and positioned themselves as indispensable to their users.
By enabling multi-platform interoperability, we created an environment where platforms could effortlessly exchange data. This capability validated transactions and empowered platforms to offer tailored financial products to their clients. Ultimately, these integrated solutions enhanced cash flow management for end-users while deepening the system’s interconnected value.
Raistone enhances platform value proposition
We marked several significant milestones in 2024 as we’ve expanded our reach and influence in the embedded finance space. Raistone’s growth has not gone unnoticed.
This year, Raistone surpassed $10 billion in financing as the world’s largest B2B embedded finance provider. The achievement reflects the growing trust our partners place in Raistone as the go-to provider of embedded finance solutions.
Our award-winning API, Raistone Connect, continues to be a vital tool for businesses seeking access to working capital without disrupting their existing workflows. It has made Raistone a preferred choice for providers looking to enhance their value proposition and offer clients integrated finance solutions.
We were proud to be recognized as the 32nd the fastest-growing private financial services company in the U.S. by Inc. magazine, validating our commitment to innovation, strategic growth, and the continued success of our partners.
The seamless integration of our solutions into the platforms that businesses already use is the core of our success. Embedded finance tools, such as Accounts Receivable Finance (ARF), Supply Chain Finance (SCF), and Virtual Cards, are designed to work natively within existing workflows, empowering businesses to augment cash flow and financial flexibility without introducing complexity.
To learn more about how Raistone can help your platform grow and integrate embedded finance solutions, feel free to connect with me directly or explore more of our resources.
About the author
Dan Jasinski serves as Vice President of Growth on the Alliances team at Raistone. In this role, Dan expands Raistone’s network and generates new opportunities by facilitating successful partnerships, building business cases and go-to-market plans, and ensuring ongoing success with each network partner. He joined Raistone with over a decade of valuable experience and success in technical sales, marketing, and business development roles at leading fintech companies including Kyriba, TIS, and Calculum.
