Every business on Flinks,
one click from capital.
Slate turns Flinks connectivity into embedded lending. Any Flinks platform customer can switch on an in-product financing feature for their SMB users — with no KYC, no underwriting, and no lending risk on your side.
The financing gap is a distribution problem — and Flinks already owns the distribution.
Canadian SMBs make up 98% of all businesses but hold only 11.7% of outstanding business loans, at higher borrowing costs than larger firms. Flinks already sits inside 600+ platforms and powers underwriting for lenders with real-time cash-flow, payroll, and transaction data.
The infrastructure to originate loans — not just assess them — is the natural next step. And it doesn't require Flinks to become a lender.
One integration. The entire lending stack runs behind it.
Flinks brings the distribution and the data. Slate brings everything it takes to actually put a loan on the books.
- 01SMB sees financing in-product
A Flinks platform customer surfaces a “Get financing” offer to their SMB user — inside their own product, under their own brand.
Platform surface - 02Flinks data feeds underwriting
Real-time transaction, cash-flow, and enrichment data flows straight into Slate’s underwriting engine. No new data pipe to build.
Flinks data - 03Slate underwrites & approves
Slate owns KYC, credit decisioning, and compliance end-to-end. The SMB gets a real offer in seconds — no forms, no waiting.
Slate engine - 04Slate capital funds the loan
Slate capital funds originations at launch and services every loan. Neither Flinks nor its customers touch the balance sheet.
Slate capital - 05Flinks earns revenue share
Flinks earns a share of revenue on every loan originated through its platform — with zero lending risk or operational lift.
Rev share
- 01SMB sees financing in-product
A Flinks platform customer surfaces a “Get financing” offer to their SMB user — inside their own product, under their own brand.
Platform surface - 02Flinks data feeds underwriting
Real-time transaction, cash-flow, and enrichment data flows straight into Slate’s underwriting engine. No new data pipe to build.
Flinks data - 03Slate underwrites & approves
Slate owns KYC, credit decisioning, and compliance end-to-end. The SMB gets a real offer in seconds — no forms, no waiting.
Slate engine - 04Slate capital funds the loan
Slate capital funds originations at launch and services every loan. Neither Flinks nor its customers touch the balance sheet.
Slate capital - 05Flinks earns revenue share
Flinks earns a share of revenue on every loan originated through its platform — with zero lending risk or operational lift.
Rev share
A clean split: you own the customer, we own the loan.
Embedded product integration — Slate’s lending experience lives inside the Flinks product, not a referral link out.
Flinks provides bank and transaction data into Slate’s underwriting engine. No new pipe to build.
Slate capital funds originations at launch. NBC as a future capital provider is a phase-two option once volume is proven.
Fully owned by Slate: KYC, credit decisioning, compliance, and servicing. Flinks takes on no lending risk or operational burden.
Revenue share to Flinks on every loan originated through its platform.
Flinks launches a lending feature without building, funding, or risking a lending business. Slate is the stack behind the curtain.
Who does what
- Distribution to 600+ platforms and their SMBs
- Bank, cash-flow & transaction data
- The customer relationship & brand surface
- Revenue share on every origination
- KYC & identity verification
- Credit decisioning & underwriting
- Regulatory compliance & licensing
- Loan servicing & collections
- Capital to fund originations
- 100% of the lending risk
Start simple. Bring in the bank once it's proven.
Launching on Slate capital keeps the first deal clean — no balance-sheet negotiation to slow things down. NBC comes in later, on the same underwriting stack.
Slate capital funds originations
- Product integration with a small pilot cohort of Flinks platform customers
- Slate capital funds every loan from day one
- Rev-share commercial model — zero risk to Flinks
- Prove volume, conversion, and loss performance
NBC as a capital provider
- National Bank of Canada funds originations on the same Slate stack
- Slate continues to own underwriting, compliance & servicing
- Kept out of scope now to avoid slowing the launch
- A conversation for once the pilot proves out — not a condition
Scope a pilot integration with a small cohort of Flinks platform customers.
Rev-share commercial model. Slate capital funding originations from day one. No lending risk, no operational lift, no new build for Flinks.
