Embedded finance provider Froda has partnered with UK-based AI finance platform Triffin to embed flexible working capital directly into Triffin’s agentic workflows. Over the next three years, the collaboration will make up to £100 million in data-driven financing available to small and medium-sized businesses across the UK.
This marks Froda’s fourth embedded finance deal in the UK, strengthening its presence in one of Europe’s most dynamic markets. The move comes amid growing pressure on UK SMEs, with around 60% delaying investment due to low cash reserves and a funding gap estimated at £22 billion. The partnership aims to bridge this gap, providing modern consumer brands with fast, affordable access to capital and expanding Froda’s network of fintech and banking partners.
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.
“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.
“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 Our customers can focus on growing their businesses without worrying about cash flow, and without being limited by outdated finance models,” says Franklyn Martin, co-founder and CEO of Triffin.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.
