What Slope does

Slope (legal name: Slope Tech, Inc.) is a San Francisco-based B2B financial technology company that provides AI-native credit infrastructure for business lending. The company builds and operates Slope Transformer — a proprietary large language model trained on bank transaction data to understand SMB cashflow patterns — combined with a CashflowAnalysis layer that reconciles counterparties into economic roles and a context-aware AI reasoning agent (Layer 3) that audits and corrects labels. On top of this stack, Slope offers two customer-facing products: Embedded Capital (a white-label line-of-credit and net-terms financing product with APRs as low as 8.99-10%, originated by Lead Bank and funded in part by a J.P. Morgan credit facility) and SlopeScore (an FCRA-compliant cashflow underwriting score purpose-built for SMBs, sold to lenders and platforms). The company reports $500M+ in cumulative SMB loan originations using its own capital and 99% accuracy in major transaction-enrichment categories.

Slope distributes exclusively through digital embedded channels via an API-first go-to-market (developers.slope.so), with credit programs embedded directly into major B2B platforms and marketplaces: Amazon (Amazon Lending, Dec 2025), Walmart Marketplace (Mar 2026), Samsung Business Checkout (Nov 2025), Alibaba.com (Sep 2025), IKEA U.S. (Aug 2024), ShipBob (Feb 2025), Bluevine, and Elite (legal billing). Revenue is generated through a mix of risk-based financing fees on credit extended, share of partner-channel economics on embedded loans, and recurring subscription/API access for SlopeScore. The company holds state lending and collection licenses in 9 U.S. states (NMLS ID 2316981) and is restricted to serving customers located in the United States. Total disclosed funding reached $252M by July 2024 across equity and debt, with subsequent undisclosed additional JPM funding in September 2025; backers include Y Combinator, Union Square Ventures, Tiger Global, Notable Capital, J.P. Morgan Payments, and individual investor Sam Altman (CEO of OpenAI). Co-founders Lawrence Lin Murata (CEO) and Alice Deng (CPO) led the company from a 2021 founding through 2025, with Tyson Nargassans appointed CEO in July 2025 to drive the next growth phase.

Name

Slope

Legal name

Slope Tech, Inc.

Website

https://slopepay.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Slope is an AI-native B2B fintech that provides embedded credit infrastructure — cashflow underwriting (SlopeScore) and white-label lines of credit / net-terms financing (Embedded Capital) — to U.S. marketplaces, retailers, and platforms including Amazon, Walmart, Samsung, IKEA, and Alibaba.

Ownership category

akta.pro rank

Product category

B2B Embedded Credit Infrastructure

NAICS

Sales Financing (52222), Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Embedded credit infrastructure
• B2B payments platform
• Cashflow underwriting
• SMB lending software
• AI credit decisioning

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. B2B Embedded Capital (financing fees): Slope originates business-purpose loans (via Lead Bank) and earns financing fees / interest spread on credit lines and net-terms financing extended to SMB buyers and sellers. APRs start as low as 8.99%–9.00% per the embedded-capital and Amazon programs; fees vary based on risk assessment and loan term. Credit products are originated by Lead Bank, Member FDIC.
2. SlopeScore / Cashflow Underwriting API: Slope offers its SlopeScore cashflow risk score and transaction enrichment infrastructure to lenders and platforms. The product page positions it as a credit intelligence engine that banks and platforms integrate alongside FICO/Bureau data; FCRA compliant. Specific fee structure is not publicly disclosed.
3. Licensed Lending Operations (State-Licensed): Slope Tech, Inc. holds state collection agency, money broker, money lender, and small loan company licenses (NMLS ID 2316981) in Arizona, Arkansas, Idaho, Minnesota, New Mexico, North Dakota, Oregon, South Dakota, and West Virginia — enabling direct loan origination and servicing activities subject to state regulation.
4. Embedded Capital Partnerships (Slash and others): Slope powers working-capital financing through partnerships with vertical-fintech platforms (e.g., Slash's vertical banking offering), earning per-loan economics on each credit facility booked through partner integrations.
5. J.P. Morgan Credit Facility Funding: J.P. Morgan provides debt facility capital to Slope that funds loans originated through Amazon, Walmart, Samsung, Alibaba, IKEA, and other partner programs; Slope manages underwriting, J.P. Morgan supplies balance-sheet capital.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Slope is an AI-native B2B credit infrastructure platform that provides embedded financing (lines of credit, net-terms checkout financing, and purchase order financing) and a cashflow underwriting score (SlopeScore) to B2B marketplaces, wholesalers, platforms, banks, and SMBs. Its core offering is exposed via API and white-labeled at checkout inside partners such as Amazon, Walmart, Samsung, IKEA, and Alibaba, with credit decisions made in minutes using Slope's proprietary Slope Transformer LLM and three-layer AI architecture. Loans are originated by Lead Bank (Member FDIC) and funded in part by a J.P. Morgan credit facility.

Product overview

Slope operates a unified AI-native credit infrastructure platform for B2B lending, with two flagship customer-facing products — Embedded Capital (a flexible line-of-credit and net-terms financing product for B2B marketplaces, wholesalers, and platforms) and SlopeScore (a cash-flow underwriting score purpose-built for SMBs) — both powered by the same underlying AI technology stack. The technology foundation consists of three layers: (1) Slope Transformer, the first LLM trained to understand bank transaction language, which produces per-transaction counterparty labels; (2) a CashflowAnalysis layer that classifies counterparties into economic roles and reconstructs financials; and (3) a Layer 3 context-aware AI reasoning agent that catches mislabeled transactions and produces label corrections, plus Slope's broader Agents Platform for credit risk and customer operations. All products are exposed through the Slope API (https://developers.slope.so/) and are deployed across partner platforms including Walmart, Amazon, Samsung, IKEA, Alibaba, and ShipBob, with loans originated by Lead Bank, Member FDIC, and supported by a J.P. Morgan credit facility.

Differentiator

Problem solved

Functional benefit

Brands

• SlopeScore: The cash flow score for small business lending - a cashflow underwriting score purpose-built for SMBs, launched October 2025.
• Slope Transformer
• Slope Embedded Capital

Products and services

• Embedded Capital White-label embedded credit product for B2B wholesalers, marketplaces, and vertical SaaS platforms offering lines of credit, net-terms checkout financing, and purchase order financing with AI-driven underwriting, instant decisions, and competitive APRs.
• SlopeScore Cashflow underwriting score purpose-built for SMBs, built from transaction-level financials with 99% accuracy in major categories. Complements FICO/Bureau data, FCRA-compliant and explainable, offered to lenders and platforms via API.
• Slope API (Developer Platform) Public API-first developer platform exposing Slope's credit infrastructure including transaction ingestion, enrichment, SlopeScore generation, credit decisioning, and embedded capital issuance, with CSV/SFTP and direct ERP integration options.
• Slope Line of Credit for Amazon Sellers (Amazon Lending) Slope-powered revolving line of credit offered to eligible U.S.-based Amazon sellers through the Amazon Lending portal in Seller Central, with usage-based pricing and flexible 2-12 month draw terms.
• Slope Line of Credit for Walmart Marketplace Sellers Revolving line of credit for Walmart Marketplace sellers, backed by a J.P. Morgan credit facility, with revolving credit lines up to $5 million and rates starting as low as 10% APR for inventory and cashflow management.
• Slope Net 60/90 for Samsung Business Checkout Embedded Net 60/90 payment terms for U.S. business buyers at Samsung Business Checkout, powered by Slope's real-time AI underwriting.
• Slope Pay Later for Business on Alibaba.com Embedded BNPL-style financing on Alibaba.com for U.S. business buyers, offering Net 60/90 payment terms at checkout powered by Slope's real-time AI underwriting.
• Slope Invoice-to-Pay for IKEA U.S. Invoice-to-Pay B2B financing solution offered to IKEA U.S.'s business customers, embedding flexible payment terms into IKEA's U.S. business checkout flow.

Quantifiable outcome

• $868M new, profitable originations for a top 10 bank using SlopeScore
• +9 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability4 records

Feature11 records

Partnerships

14 partnerships are on record, tiered flagship — line of credit for walmart marketplace sellers, flagship distribution partnership — powers amazon's line-of-credit lending product, flagship — embedded net 60/90 at samsung business checkout, vertical-specific (legal industry) partner, flagship — first of several major partnerships announced for late 2025, mid-tier — capital product embedded in fulfillment platform, mid-tier — vertical banking partner, core card-issuing technology partner, flagship retail distribution partner, flagship — strategic equity investor, credit facility provider, and partner-network member, core data-connectivity partner, mid-tier — payment-network partner, mid-tier — neobank/embedded finance partner and mid-tier — payments-technology integration.

• Walmart (Walmart Marketplace)flagship — line of credit for walmart marketplace sellersStrategic or Co-development Partner · 26 March 2026Slope launched a flexible line of credit program for Walmart Marketplace sellers, backed by a J.P. Morgan credit facility. Revolving credit lines up to $5 million; rates starting as low as 10% APR. Designed to help sellers manage inventory and cash flow. Kanso Worldshop case study highlights Walmart inventory-financing use case.
• Amazonflagship distribution partnership — powers amazon's line-of-credit lending productStrategic or Co-development Partner · 16 December 2025Slope powers Amazon Lending for U.S.-based Amazon sellers, supporting a reusable line of credit program backed by a J.P. Morgan credit facility. Eligible sellers see a Slope Line of Credit invitation inside Amazon Seller Central; lines up to $5M; APRs as low as 8.99%; 2–12 month draw terms; soft credit pull. Independently announced December 16, 2025 as a "new relationship." Originated by Lead Bank, Member FDIC.
• Samsungflagship — embedded net 60/90 at samsung business checkoutStrategic or Co-development Partner · 18 November 2025Slope integrated real-time AI underwriting into Samsung Business Checkout to offer Net 60/90 payment terms for U.S. business buyers, announced November 18, 2025. The integration helps business buyers manage cash flow and helps Samsung modernize its B2B buying experience.
• Elite (Elite Software)vertical-specific (legal industry) partnerStrategic or Co-development Partner · 29 October 2025Elite and Slope partnered (October 29, 2025) to embed AI-powered "Pay Later" financing into the legal industry's billing platform. Helps law firms manage cash flow and accelerate revenue; offers flexible payment terms and real-time credit risk assessment, addressing late payments and improving financial agility for law firms and their B2B clients.
• Alibaba.comflagship — first of several major partnerships announced for late 2025Strategic or Co-development Partner · 15 September 2025Alibaba.com launched "Pay Later for Business" powered by Slope on September 15, 2025. Eligible U.S. buyers can buy inventory today and pay 60 or 90 days after ordering, with credit decisions powered by Slope's real-time AI underwriting embedded seamlessly at checkout. Described by both companies as the first of several significant partnerships Slope plans to announce later in 2025.
• ShipBobmid-tier — capital product embedded in fulfillment platformStrategic or Co-development Partner · 27 February 2025ShipBob Capital, powered by Slope, was launched February 27, 2025. Provides working-capital financing to ShipBob's merchant base.
• Slashmid-tier — vertical banking partnerStrategic or Co-development Partner · 20 February 2025Slash, a vertical banking platform for ecommerce, healthcare suppliers, travel agencies, marketing agencies, and Web3, partners with Slope to offer working-capital financing through its platform. Banking infrastructure provided by Column N.A. (FDIC-insured accounts); embedded finance via BaaS.
• Marqetacore card-issuing technology partnerTechnology or Integration · 12 December 2024Slope tapped Marqeta to power its Buy Now, Pay Later card, enabling brands and marketplaces to offer flexible loan options. Marqeta provides the card-issuing API and processing infrastructure.
• IKEA U.S.flagship retail distribution partnerStrategic or Co-development Partner · 29 August 2024Slope partnered with IKEA U.S. (announced August 29, 2024) to offer its Invoice-to-Pay solution to IKEA's growing base of business customers in the U.S. Powers the IKEA business-buying financing flow.
• J.P. Morgan Paymentsflagship — strategic equity investor, credit facility provider, and partner-network memberStrategic or Co-development Partner · 17 July 2024Made a strategic equity investment in Slope (announced July 2024) as part of Slope's $65M equity and debt round (including $15M equity). Joined the J.P. Morgan Payments Partner Network. Has provided a debt facility to help Slope achieve additional scale; debt facility underpins Amazon, Walmart, and Samsung programs. Relationship is both financial and distribution-focused — J.P. Morgan's enterprise clients gain access to Slope-powered short-term financing.
• Plaidcore data-connectivity partnerTechnology or IntegrationPlaid serves as Slope's bank data connectivity provider; transacting users may elect to authorize Plaid to disclose certain banking information with Slope's Service. Plaid's Privacy Policy governs the data exchange. Featured on Slope's technology partner page.
• Mastercardmid-tier — payment-network partnerTechnology or IntegrationFeatured on Slope's "Partnering with the best to power B2B payments" logo wall; payments-network infrastructure partner.
• Bluevinemid-tier — neobank/embedded finance partnerChannel Partner/ Reseller/ DistributorBluevine appears on Slope's "we work with THE world's LARGEST companies" logo wall on slopepay.com; relationship implies Slope-powered capital or risk infrastructure offered through Bluevine's SMB banking platform.
• Fiservmid-tier — payments-technology integrationTechnology or IntegrationFiserv appears on Slope's "we work with THE world's LARGEST companies" logo wall; large fintech/payments technology integration partner.

Scale indicators11 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Parafin: Parafin provides embedded capital (working capital, revenue-based financing, and invoice factoring) to small businesses via platform integrations. It is the closest direct competitor to Slope's Embedded Capital product, serving marketplaces and vertical SaaS with similar underwriting APIs and bank-partnered origination.
• Pipe: Pipe pioneered trading-card-style financing for SaaS and SMB recurring revenue and has expanded into broader embedded working capital. It overlaps directly with Slope on providing non-dilutive capital to SMBs via digital rails, although Pipe historically focused on SaaS recurring revenue while Slope targets bank transaction cash flow.
• Bluevine: Bluevine is an SMB neobank offering lines of credit, invoice factoring, and checking accounts, and is also a Slope channel partner (Slope logo appears on Bluevine's stack). It is a direct peer in SMB embedded lending and operating-banking, competing with Slope's SlopeScore and capital products at the SMB customer level.
• OnDeck (Enova International): OnDeck provides short-term working capital loans and lines of credit to SMBs using cash-flow-based underwriting — historically one of the most established SMB online lenders. It is a direct competitor in SMB cash-flow underwriting and embedded capital, with a comparable bank-partner origination model.
• Fundbox: Fundbox offers SMB lines of credit and invoice-based financing through integrations with accounting platforms and marketplaces. It competes directly with Slope on cash-flow-driven underwriting for SMBs and embedded financing inside B2B platforms.
• Resolve: Resolve (formerly Resolve Pay) provides B2B embedded net terms and trade credit inside B2B marketplaces and vertical SaaS, with cash-flow underwriting for buyers. It is a direct competitor to Slope's Embedded Capital and Net 60/90 product for B2B marketplaces and suppliers.

Broad incumbents

• Brex: Brex is a broad-incumbent SMB fintech offering corporate cards, banking, and embedded spend/rewards products. While not a cash-flow underwriting specialist, it competes with Slope for SMB wallet share and increasingly for embedded B2B payments infrastructure.
• Ramp: Ramp is a broad-incumbent corporate card and spend management platform for SMBs and mid-market, with embedded B2B payment products. It competes with Slope on SMB financial tools, though Ramp's lending stack focuses more on card receivables than cash-flow underwriting.

Emerging players

• Modern Treasury: Modern Treasury is an emerging player in B2B payments infrastructure (money movement, ledgers, reconciliation) for platforms and fintechs. It is an adjacent, enabling peer rather than a direct lender, but increasingly overlaps with Slope's embedded finance and developer API positioning.

Others

• Plaid: Plaid is Slope's bank data connectivity provider and an infrastructure-layer peer in the SMB financial data stack. It is not a direct competitor (it is an upstream data dependency), but Plaid's transaction data feed is foundational to Slope's Slope Transformer LLM and SlopeScore.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/slopepay
• LinkedInlinkedin.com/company/slope-tech

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds7 records

Investors21 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Slope