Stockholm-based embedded finance company Froda and UK-based AI finance platform Triffin have formed a partnership to make up to £100 million in data-driven working capital available to UK consumer brands over the next three years. The agreement integrates Froda’s embedded financing technology directly into Triffin’s AI-driven finance operations system, which automates key business tasks such as payroll, invoice management, and inventory forecasting. By embedding access to flexible financing into these workflows, the collaboration seeks to ease cash-flow pressures that have intensified amid a £22 billion SME funding gap in the UK. The initiative marks Froda’s fourth embedded finance partnership in the UK, reflecting a continued shift toward more automated and adaptive small business lending models.
The launch comes at a time when access to financing for UK small businesses remains under pressure. With cash reserves still below pandemic levels, around 60% of firms are delaying investment to rebuild liquidity. The UK SME funding gap, estimated at £22 billion, leaves many consumer brands struggling to access affordable working capital. The issue has reached the policy radar, with Parliament recently debating SME access to banking, underscoring concern that traditional lending models are failing to keep pace with modern business needs.
“SME lending is at an inflection point, we’re leaving behind legacy systems built for another era and moving toward a model that reflects how modern businesses actually operate. Our partnership with Triffin, our fourth in the UK, is proof that our product is gaining real traction with partners. It’s another step toward making embedded finance the new infrastructure of small business finance,” says Olle Lundin, co-founder and CEO of Froda.
The partnership integrates Froda’s embedded financing directly into Triffin’s AI finance platform. Triffin’s AI agents handle essential finance tasks, from managing pay runs and chasing overdue invoices, to producing finance reports and forecasting inventory needs. By adding access to instant flexible financing, Triffin and Froda help brands overcome two of their biggest cash-flow challenges: upfront inventory cost and long retail or wholesale payment cycles.
“We’re thrilled to partner with Froda to deliver on our vision of AI finance operations for the next generation of consumer brands. Our customers can focus on growing their businesses without worrying about cash flow, and without being limited by outdated finance models,” says Franklyn Martin, co-founder and CEO of Triffin.
Since launching Froda Embedded in 2022, the company has expanded across the Nordics, the UK, Ireland, and Germany, providing white-labelled financing to leading banks, fintechs and payment providers through a single integration. To date Froda has financed more than 120,000 loans. Loan decisions are made in one minute, and funds are disbursed within 30, demonstrating how automation and accountability can coexist.
The integration went live in October, marking another step toward making business financing more accessible, transparent and frictionless for small businesses.
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Read the orginal article: https://arcticstartup.com/froda-and-triffin-partner/
