Embedded credit infrastructure

Lend to your SME customers, without becoming a lender.

Butter handles verification, underwriting and repayment behind the scenes. Your customers get financing inside your product. You earn on every loan, without taking the credit risk.

Click to PartnerSee how it works

Built for platforms,
not for paperwork.

What your customers actually get
FINANCING
UP TO AED1M

Per merchant to start, unlocking into a revolving credit line once a clean repayment cycle is established.

SPEED
Minutes

Underwriting runs on the transaction and bank data your customer already has — not new paperwork.

DOCUMENTS
Four

And nothing else.

Trade License Memorandum of Association Emirates ID of the signatory Last 6 months' bank statement
REPAYMENT
Automatic

Collected via daily settlement deduction. No invoicing, no chasing, on either side.

Why partner with Butter

Your data. Your customer.
Our credit layer.

You keep the relationship and the interface. Butter carries the underwriting, the servicing and the credit exposure.

1M
Up to AED
4
Documents
Minutes
To decision
01

Your data does the underwriting

Transactions, orders, settlement history — the signals your platform already generates become the basis of the credit decision. No fresh paperwork trail for the business owner.

02

Your customer never leaves

Financing appears inside your product, under your brand, in the flow the customer is already in. No separate app, no redirect, no hand-off to a third party they don't recognise.

03

Our credit layer carries the risk

Verification, structuring, decisioning, disbursement, collections and credit exposure sit with Butter. You earn on every loan without putting capital on your balance sheet.

Click to Partner→
How it works

From your platform to funded, in four steps.

Your customers already operate inside your platform. Butter adds the credit decision to that same experience — no redirects, no separate app, and you never touch the credit risk.

01
STEP 01

Integrate

Add the Butter SDK to your platform. A few lines of code, no rebuild required.

butter.init.ts
// Embed credit in 4 lines
import { butter } from '@butter/sdk'

await butter.connect({
  platform: 'your-app',
  products: ['pos', 'bnpl']
})
Connected · 24ms
02
STEP 02

We verify

Business identity, bank data, and transaction history — the same signals a bank wants, checked in minutes instead of weeks.

CUSTOMER · #SME-2841
Sahara Trading FZ-LLC
READY
Business identity verified✓
Financial data structured✓
Cashflow signals captured✓
Credit profile generated✓
03
STEP 03

Offer goes live

The approved offer appears inside your existing product, at the moment your customer needs it. No redirect, no separate app.

CREDIT DECISION02:14s
AED 48,500
Pre-approved · Working capital
Term3–12 months
RateFrom 1.4% / mo
SettlementSame day
04
STEP 04

You earn

A commission on every funded loan. Butter carries the credit exposure, not you.

PARTNER PAYOUT · MTD+18.4%
AED 128,420
Commission revenue · Butter carries the credit exposure
Who we embed with

Six kinds of platforms. Six different reasons to embed.

Every partner type has its own moment where an SME needs capital most. Here's ours for each.

Partner with Butter

Ready to lend to your SME customers, without becoming one?

Click to Partner→