LoanTube is continuing to push the boundaries of embedded finance, calling for the industry to move beyond basic integrations and towards a model that delivers real, measurable outcomes for small and medium-sized enterprises (SMEs).
In his latest article for IBS Intelligence, Gurprit Singh Gujral, Founder and CEO of LoanTube, discusses how embedded lending was originally designed to make access to finance seamless yet many solutions still fall short, relying on static forms and slow manual processes. Gurprit explains that to truly empower SMEs, lenders and fintechs must build “Embedded Lending 2.0”, a system that connects directly to the platforms SMEs already use and provides instant, contextual, and transparent access to funding.
Highlighting the persistent $27 billion SME funding gap, Gurprit emphasises that the challenge isn’t the lack of capital, but rather how businesses access it. He calls for smarter integration through open finance and real-time data reducing friction and enabling lenders to meet SMEs where they already operate.
As embedded lending evolves, the role of brokers becomes even more crucial not just as distributors, but as curators of choice and enablers of fairer outcomes. By guiding SMEs to the right lenders and facilitating informed borrowing decisions, brokers ensure lending remains sustainable, inclusive, and aligned with real business needs.
“Embedded lending can do more than close the SME funding gap,” said Gurprit. “It can reshape the entire lending ecosystem into one that’s faster, fairer, and built around the long-term success of small businesses.”
