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Pipe

An embedded capital provider that funds merchant cash advances inside SaaS platforms, payfacs and marketplaces.

Pipe sells an embedded merchant cash advance to software platforms, payment facilitators and marketplaces. A business sells part of its future revenue for cash up front and repays a fixed share of sales, with no monthly minimum. Pipe’s own entities are the funder of record: Pipe Advance LLC in the United States, Pipe Advance CAN LLC in Canada and Pipe Technologies UK Limited in the UK. Fees and revenue share are not published.

Website
pipe.com
Infrastructure layers
Embedded lending, revenue-based finance
Products (as published)
Pipe Capital (merchant cash advance with multi-draw)
Pipe-hosted, Embedded UI and Capital API integrations
Partner Portal (merchant activity, revenue share, API logs, webhooks)
Client types
Vertical SaaS, payment facilitators, marketplaces, payment companies
Regions served
United States, Canada, United Kingdom
API documentation
docs.pipe.com
Date checked
Profile type
Standard

Questions

Is Pipe Capital a loan?
No. Pipe structures it as a merchant cash advance, a purchase of future revenue, and says MCAs are not regulated as credit in the United States or the UK; it says it has registered in every US state that currently requires sales-based financing registration.
Who provides the money?
Pipe’s own entities: Pipe Advance LLC in the US and Pipe Advance CAN LLC in Canada, each a subsidiary of Pipe Technologies Inc., and Pipe Technologies UK Limited in the UK, which Pipe says is not authorised by the Financial Conduct Authority. Pipe refers to capital markets partners behind the funding without naming any.
How fast can a platform go live?
Pipe says its hosted option can launch in as little as a week, an embedded UI within one to two weeks and a full API integration in as little as four weeks.

See also

Sources

Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.

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