Fundbox Acquires Vaya Founders to Boost Embedded Lending Capabilities
Fundbox Brings On Vaya Founders to Supercharge Embedded Credit for SMBs
In a strategic talent and tech acquisition play, Fundbox, a leader in embedded capital solutions for small businesses, is welcoming the founding team of Vaya Technologies to drive its next wave of product innovation.
Ankit Singh and Soham Sen, co-founders of Vaya, are joining Fundbox in leadership roles across product and engineering. Their mission? Scale Fundbox’s credit infrastructure and build the next generation of embedded lending products for the small business economy.
A Strategic Match in Embedded Fintech
Founded in 2021, Vaya Technologies quickly gained traction by helping vertical SaaS companies across the U.S. roll out white-label capital programs for their SMB customers. The startup not only brought embedded lending to niche platforms—it reimagined credit as a growth lever, offering financing that doubled as a product adoption driver.
That aligns well with Fundbox’s vision. Since launching in 2013, Fundbox has pioneered embedded finance for small businesses, distributing over $6 billion to more than 150,000 SMBs. The company’s platform is already powering capital offerings within software tools that businesses use every day—from accounting platforms to marketplaces.
“Having the Vaya team onboard adds firepower to our global expansion and product evolution,” said Prashant Fuloria, CEO of Fundbox. “Their experience across embedded fintech and vertical SaaS is a perfect fit for our next chapter.”
Why It Matters: The Race to Embed Capital
The embedded finance space is heating up. As vertical SaaS platforms continue to niche down—from dental software to contractor management tools—offering credit natively within those ecosystems has become a key differentiator.
Fundbox’s move here mirrors a broader trend: fintech is no longer just about building apps. It’s about powering infrastructure behind the apps—and giving businesses smarter, faster, more contextual access to financial products.
Singh and Sen, now stepping into senior product and engineering roles at Fundbox, see this as an acceleration of their original mission.
“Fundbox pioneered embedded credit,” said Ankit Singh, “and we’re thrilled to build on that legacy to empower more SMBs and the SaaS platforms that serve them.”
Scaling the Embedded Vision
For vertical SaaS platforms, the opportunity is massive: embedded lending doesn’t just generate revenue—it improves user retention, engagement, and LTV. Vaya’s technology focused on integrating credit seamlessly into these workflows, and now, those insights and tools are set to be scaled across Fundbox’s global partner network.
“We’re excited to scale the embedded lending vision we built at Vaya,” added Soham Sen, “and continue to serve the platforms and small businesses that have always been central to our mission.”
Bottom Line
By bringing the brains behind Vaya into its leadership ranks, Fundbox is doubling down on its embedded finance thesis—delivering smarter, faster credit experiences within the tools SMBs already use. With the right tech and team in place, the company is positioning itself to stay ahead in the increasingly competitive race to power the capital infrastructure of the digital small business economy.
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