Engine by MoneyLion
Engine by MoneyLion is a B2B2C embedded financial marketplace connecting consumers with lenders, banks, and insurers through 1,300+ partner integrations, monetizing via per-matched-user fees from financial product providers.
- Company typePrivate
- Founded2014
- HeadquartersNew York, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Engine by MoneyLion does
Engine by MoneyLion (legal entity ML Enterprise Inc.) is a B2B2C embedded financial marketplace platform that connects consumers seeking financial products with lenders, banks, credit card issuers, and insurance companies through a network of 1,300+ partner websites, apps, and publishers. Founded in 2014 as Even Financial (later rebranded), it operates as a wholly-owned subsidiary of MoneyLion Inc. within the Gen Digital portfolio, with headquarters in New York, NMLS #1475872, and regulated status under the Gramm-Leach-Bliley Act. Wholly-owned subsidiaries LeapLife (life insurance) and Savvy Insurance Solutions (insurance services) extend the offering into insurance vertical.
The platform's core technology is a cloud-native marketplace with AI-driven matching, a hosted decisioning engine called Spark, and a unified consumer finance checkout experience branded Engine Checkout. Underlying infrastructure integrates credit reporting agencies (TransUnion, Experian, Equifax), bank data via Plaid, and identity verification through Ekata and LexisNexis; partners access the platform through widgets, native APIs, white-labeled pages, or mobile SDKs. Adjacent Web Services include Audience Builder, Product Engagement Graph, Next Best Action, BankLink Connect/Enhance, and Content Engine. The platform reportedly processes 85M–100M+ financial inquiries per quarter and has matched 40M+ financial products cumulatively.
Engine monetizes on a transaction/take-rate basis, charging financial product providers $1 to $1,000,000 per matched user depending on product and services, while consumers use the matching service free of charge. Go-to-market is API-first and partner-led, with dedicated solution advisors supporting enterprise financial institutions (SoFi, LendingClub, Best Egg, Achieve, Credit Sesame, Earnest, Upstart, TransUnion, Investopedia) and mid-market publishers. Distribution channels include embedded widgets, native APIs, white-labeled partner pages, mobile SDKs, and—announced in April 2026—Microsoft Copilot Discover Feeds via parent Gen Digital. The company has raised approximately $67M in disclosed funding across 2015–2020 and completed two acquisitions: Birch (2018, data/account aggregation) and LeapLife (2020, life insurance).
Engine by MoneyLion firmographics
Firmographics- Name
- Engine by MoneyLion
- Legal name
- ML Enterprise Inc.
- Website
- https://engine.tech
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Engine by MoneyLion is a B2B2C embedded financial marketplace connecting consumers with lenders, banks, and insurers through 1,300+ partner integrations, monetizing via per-matched-user fees from financial product providers.
- Ownership category
- akta.pro rank
Engine by MoneyLion industry classification
Industry- Product category
- Embedded Finance Platform
- NAICS
- Other Financial Vehicles (52599)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)
- akta.pro secondary industry
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Engine by MoneyLion is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Engine by MoneyLion business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction/Matched User Fees: Engine charges financial product providers (lenders, banks, insurance companies) when users are matched to their products. The company receives compensation from lenders ranging from $1.00 to $1,000,000.00 per matched user, paid based on goods, facilities, or services performed. The matching service is free for consumers.
- Marketplace Commission: As a financial marketplace platform, Engine earns commissions when financial products are originated through their platform. They provide distribution to financial product providers in exchange for a share of the transaction value.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | B2B Partner Pricing (Quote-based) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Engine by MoneyLion product offering
Product offeringCore offering
Engine by MoneyLion operates a B2B embedded financial marketplace platform that enables lenders, banks, and insurance providers to match consumers with financial products through partner websites, apps, and APIs. The platform combines a hosted decisioning engine (Spark), an end-to-end consumer finance checkout experience (Engine Checkout), and a network of 1,300+ partners processing 85M+ quarterly inquiries across credit cards, loans, mortgages, and insurance products.
Product overview
Engine by MoneyLion is a financial services embedded marketplace platform providing a search, comparison, and recommendation engine for financial products. The core offering consists of the Embedded Marketplace platform (which includes Partner Network, Platform Capabilities, Integration Options, and Dedicated Solution Advisors), Engine Checkout for the e-commerce consumer finance experience, and Spark for hosted decisioning. The platform spans Web Services including Audience Builder, Product Engagement Graph, Next Best Action, BankLink Connect, BankLink Enhance, and Content Engine. Developer resources are available through the Developer Center, with Design Lab and Engine Insights supporting design and thought leadership needs. The platform matches consumers with financial products including credit cards, savings accounts, personal loans, life insurance (via LeapLife subsidiary), student loans, mortgages, and auto loans across a network of 1,300+ partners, processing over 100 million financial inquiries per quarter and matching more than 40 million financial products.
Differentiator
Problem solved
Functional benefit
Brands
- LeapLife: Wholly-owned subsidiary offering life insurance products
- Spark
- Engine Checkout
- MFeed
- Engine Design Lab
- Engine Insights
Products and services
- Embedded Marketplace Platform
Quantifiable outcome
- 25% CTR improvement with streamlined application process
- +3 more outcomes
Companies that use Engine by MoneyLion
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Engine by MoneyLion technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability6 records
Feature6 records
Engine by MoneyLion partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered supporting and core.
- DeloittesupportingDeloitte is serving as the implementation partner for Engine by Starling's SBS Bank deal in New Zealand. Note: Engine by Starling is a separate entity from Engine by MoneyLion, though both appear in the financial services space.
- Gen (Parent Company)coreEngine by MoneyLion is a product of Gen Digital Inc. (formerly Gen Digital, parent company of MoneyLion). The Best Banks Awards is developed by GOBankingRates, a wholly-owned subsidiary of Gen. Engine operates as part of Gen's portfolio of companies.
- TransUnioncoreIntegration with TransUnion credit reporting agency for consumer credit data, identity verification, and fraud risk management. Part of Engine's ecosystem of data partners enabling smarter decisioning.
- ExperiancoreIntegration with Experian credit reporting agency for consumer credit information and data services supporting the matching and pre-qualification processes.
- EquifaxcoreIntegration with Equifax credit reporting agency for consumer credit data supporting pre-qualification and matching decisions.
- PlaidcoreIntegration with Plaid for bank data connectivity, enabling authenticated user data and streamlined application processes for Engine Checkout.
- EkatasupportingIdentity verification services provider integrated into Engine Checkout for fraud prevention and identity validation.
- LexisNexissupportingRisk and compliance data services integrated into Engine Checkout for identity and fraud risk management.
- SoFicoreSoFi has implemented Engine's technology to build a multi-vertical financial marketplace, more than doubling revenue and engagement. SoFi uses Engine's matching platform to offer diverse financial products to their users.
- LendingClubcoreLendingClub generates some of the highest approval rates and conversion rates among their online acquisition partners through Engine. The transparency and focus on data have driven consistent growth.
- Best EggcoreBest Egg has significantly increased consumer reach through Engine's platform and is developing marketplace programs together with Engine.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Engine by MoneyLion competitors and assessment
Company assessmentBroad incumbents
- MoneyLion: Engine's direct parent company and broader consumer fintech platform offering banking, lending, and wealth products. Operates in adjacent consumer finance space and provides distribution channels for Engine's marketplace.
- QuinStreet: Public performance-marketing company operating multiple vertical lead-generation marketplaces including financial services. Larger and more diversified than Engine but overlaps directly in financial product lead-gen and matching.
Emerging players
- LendKey: Digital lending marketplace connecting borrowers with community banks and credit unions. Comparable lender-matching model but focused on a narrower segment than Engine's broad marketplace.
Regional players
- Zillow Group: Operates a mortgage marketplace (Zillow Home Loans) that matches consumers with mortgage lenders on a referral/commission basis. Partial overlap with Engine's mortgage vertical but not a direct head-to-head across Engine's full product set.
Others
- Plaid: Bank data connectivity infrastructure provider that Engine integrates with for authenticated user data. Adjacent ecosystem participant enabling smarter financial decisioning rather than a direct marketplace competitor.
Direct peers
- Credible: Financial marketplace focused on student loans, mortgages, and personal loans, operating with a similar lender-paid matching model. Competes with Engine in adjacent consumer credit verticals.
- LendingTree: Publicly traded financial product comparison and lead-generation marketplace matching consumers with lenders across loans, credit cards, and insurance. Competes with Engine for the same lender distribution budgets and consumer intent.
- Bankrate: Financial product comparison site (part of Red Ventures) that matches consumers with credit cards, loans, and deposit products on a marketplace commission basis. Direct overlap with Engine's lending and credit card verticals.
- Credit Karma: Direct competitor operating a large consumer-facing personal finance platform that matches users to credit cards, loans, and other financial products. Operates a similar B2B2C marketplace model serving the same lender and consumer segments as Engine.
- NerdWallet: Consumer-facing financial comparison and recommendation platform earning commissions when users are matched to financial products. Closely aligned business model — content-driven discovery plus marketplace matching — competing for the same lender payouts as Engine.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Engine by MoneyLion social profiles
Digital presenceEngine by MoneyLion financial estimates
Financial estimateRevenue estimate
Valuation estimate
Engine by MoneyLion leadership team
Management profileNumber of profiles
Profiles10 records
Engine by MoneyLion subsidiaries and ownership
Company hierarchySubsidiaries2 records
Engine by MoneyLion funding detail
Funding detailFunding overview
Funding rounds6 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Engine by MoneyLion M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Engine by MoneyLion
What does Engine by MoneyLion do?
Engine by MoneyLion operates a B2B embedded financial marketplace platform that enables lenders, banks, and insurance providers to match consumers with financial products through partner websites, apps, and APIs. The platform combines a hosted decisioning engine (Spark), an end-to-end consumer finance checkout experience (Engine Checkout), and a network of 1,300+ partners processing 85M+ quarterly inquiries across credit cards, loans, mortgages, and insurance products.
Is Engine by MoneyLion a public or private company?
Engine by MoneyLion is a private company. It is classified as corporate owned and is currently operating.
When was Engine by MoneyLion founded?
Engine by MoneyLion was founded in 2014. It employs 51 to 100 people.
Where is Engine by MoneyLion based?
Engine by MoneyLion is headquartered in New York, United States, in the North America region.
How does Engine by MoneyLion make money?
Two revenue lines are on record. Transaction/Matched User Fees are the primary driver. The others are marketplace Commission.
Who are Engine by MoneyLion's main competitors?
Broad incumbents on record are MoneyLion and QuinStreet. LendKey is listed as an emerging player. Zillow Group is listed as a regional player. Plaid is listed as an others. Direct peers are Credible, LendingTree, Bankrate, Credit Karma and NerdWallet.
Does Engine by MoneyLion have an API?
Yes. Engine by MoneyLion offers a native API that provides maximum flexibility for app and marketplace building. The API supports partner integration with single line of code implementation or fully white-labeled experiences. The platform also supports embedded widgets that can be activated with a few lines of code, and mobile SDK for containerized consumer application flows deployable in one line of code. Developer documentation is at engine.tech/docs/api-reference/#overview.
What industry is Engine by MoneyLion in?
Engine by MoneyLion's product category is Embedded Finance Platform. Its primary akta.pro industry code is FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation, with a secondary code of FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 52599 and its SIC code is 6199.