# Slate

> Slate is embedded capital infrastructure for software platforms in Canada and the United States. A platform offers its customers working capital and credit lines inside its own product, under its own brand, and Slate sizes the offer, puts up the money, runs the servicing and compliance, and carries the loss. Nothing is built, held or underwritten by the platform.

## Product
- [Platform](https://www.tryslatehq.com/platform): APIs, embedded UI, managed compliance, and analytics to build and scale embedded finance.
- [Credit line](https://www.tryslatehq.com/products/credit-line): A revolving or draw facility your customers activate once and draw against. Slate handles underwriting, billing periods, statements and suspension.
- [Capital](https://www.tryslatehq.com/products/capital): Embedded capital: give your customers instant access to funds with fully managed underwriting, compliance and servicing.
- [Accounts and wallets (design beta)](https://www.tryslatehq.com/products/banking): Balances your customers hold, get paid into and spend from inside your product, in design with a small group of platforms.
- [Card issuing (design beta)](https://www.tryslatehq.com/products/cards): Debit and charge cards under your own brand, funded by the credit facility Slate operates, in design with a small group of platforms.
- [How it goes in](https://www.tryslatehq.com/integration): One element carries the whole journey, or build your own experience on the REST API and signed webhooks. Either way Slate carries the underwriting, the money, the compliance and the collections.
- [Your brand, end to end](https://www.tryslatehq.com/connect-domain): Send the lifecycle emails from your own domain so the whole experience reads as yours.
- [Industries](https://www.tryslatehq.com/industries): The verticals Slate writes in, and what the offer looks like in each: marketplaces, payroll, freight, clinics, construction and workforce.
- [Platforms and marketplaces](https://www.tryslatehq.com/industries/marketplaces): Fund the sellers and merchants on your platform off their real trading performance.
- [Payroll and staffing](https://www.tryslatehq.com/industries/payroll): Earned wage access and payroll funding, with Slate carrying the float, the compliance and the collections.
- [Businesses](https://www.tryslatehq.com/solutions/businesses): Offer capital to the businesses on your platform without building or regulating one yourself.
- [Independent workers](https://www.tryslatehq.com/solutions/independent-workers): Responsible access to capital for variable income, with the consumer compliance carried by Slate.
- [Customer emails](https://www.tryslatehq.com/connect-domain): Send the platform lifecycle emails from your own verified sending domain, ten emails under your brand, DKIM signed.
- [Contact](https://www.tryslatehq.com/contact): Talk to a product expert about embedded capital.

## Comparisons

- [Slate vs Parafin](https://www.tryslatehq.com/compare/parafin): Both put capital inside a platform. Slate runs several capital products off one integration, times the offer to the moment your data shows, and shows you the decision behind it. A plain comparison for platforms choosing between them.
- [Slate vs Stripe Capital](https://www.tryslatehq.com/compare/stripe-capital): Stripe Capital is offered to businesses processing on Stripe. Slate sizes offers from the data your own platform holds, whoever processes the payments, and the program runs under your brand. A plain comparison for platforms.

## Integration

Two routes, both carrying the same underwriting, money, compliance and servicing.

**Ready to launch element.** One custom element renders the offer, the application, bank verification, the money and every repayment, and picks its own state:

```html
<script async type="module" src="https://components.tryslatehq.com/slate.esm.js"></script>
<slate-capital env="live" user-token="{token}"></slate-capital>
```

The token is minted server side, authenticated with `x-api-key` (not a bearer token):

```
POST https://api.tryslatehq.com/user-session-token
headers: { "x-api-key": SLATE_API_KEY }
body:    { "externalId": "cus_123" }
-> { "token": "<jwt>" }
```

**API.** `@tryslatehq/partners-sdk` for a surface you build yourself. `slate.preApprovals.list({ status: "ACTIVE" })` returns who is pre-approved and for how much.

Sandbox: https://partners-sandbox.tryslatehq.com/sign-up

## Developers
- [Getting Started](https://tryslatehq.apidocumentation.com/slate-documentation/core-concepts)
- [API Documentation](https://tryslatehq.apidocumentation.com/slate-api)
- [Partners SDK (npm)](https://www.npmjs.com/package/@tryslatehq/partners-sdk)
- [Sandbox](https://partners-sandbox.tryslatehq.com/sign-in)

## Guides
- [Generate 2-4x More Revenue by Expanding From Payments to Embedded Capital](https://www.tryslatehq.com/guides/expanding-from-payments-to-embedded-capital): Most platforms focus on helping customers get paid. Fewer focus on what happens after a payment is initiated. By offering embedded capital, you can help customers bridge cash flow gaps at the moments that matter most, while unlocking new revenue streams without changing your core pricing model. (markdown: https://www.tryslatehq.com/guides-markdown/expanding-from-payments-to-embedded-capital)
- [How Embedded Capital Is Transforming Platform Software](https://www.tryslatehq.com/guides/how-embedded-capital-is-transforming-platform-software): With embedded capital, your platform can become a more powerful growth engine for your customers, while unlocking new revenue for your business. (markdown: https://www.tryslatehq.com/guides-markdown/how-embedded-capital-is-transforming-platform-software)
- [How Embedded Capital Is Transforming the Gig Economy](https://www.tryslatehq.com/guides/how-embedded-capital-is-transforming-the-gig-economy): Gig workers expect to get paid faster. With embedded capital, platforms can help workers manage cash flow in real time, while driving engagement, retention, and revenue. (markdown: https://www.tryslatehq.com/guides-markdown/how-embedded-capital-is-transforming-the-gig-economy)
- [How Embedded Capital Is Transforming Vertical SaaS](https://www.tryslatehq.com/guides/how-embedded-capital-is-transforming-vertical-saas): With embedded capital, Vertical SaaS platforms can deepen customer relationships, solve real cash flow challenges, and unlock meaningful new revenue streams. (markdown: https://www.tryslatehq.com/guides-markdown/how-embedded-capital-is-transforming-vertical-saas)
- [An Introduction to Embedded Capital](https://www.tryslatehq.com/guides/introduction-to-embedded-capital): Embedded capital helps platforms give their customers access to funding at the moments it matters most. When done well, it delivers real value to customers while unlocking durable, high-margin revenue for your business. (markdown: https://www.tryslatehq.com/guides-markdown/introduction-to-embedded-capital)
- [What Is Invoice Factoring and How Does It Work?](https://www.tryslatehq.com/guides/what-is-invoice-factoring-and-how-does-it-work): Invoice factoring helps businesses access cash faster by turning unpaid invoices into immediate capital. When offered directly inside your platform, it can solve real cash flow challenges for your customers while unlocking a new revenue stream for your business. (markdown: https://www.tryslatehq.com/guides-markdown/what-is-invoice-factoring-and-how-does-it-work)
- [What to Expect When You’re Onboarding With Slate](https://www.tryslatehq.com/guides/what-to-expect-when-youre-onboarding-with-slate): Launching embedded capital inside your platform is a meaningful step. It unlocks a new revenue stream, deepens customer relationships, and helps your customers access funding at the right moment. (markdown: https://www.tryslatehq.com/guides-markdown/what-to-expect-when-youre-onboarding-with-slate)
- [A Guide to Revenue in Embedded Capital](https://www.tryslatehq.com/guides/guide-to-revenue-in-embedded-capital): Embedded capital products can unlock meaningful new revenue while solving real cash-flow problems for your customers. This guide explains how embedded capital works, how different capital products generate revenue, and what it takes to launch. (markdown: https://www.tryslatehq.com/guides-markdown/guide-to-revenue-in-embedded-capital)

## Blog
- [Different verticals, the same features](https://www.tryslatehq.com/blog/cross-vertical-features): We grouped our underwriting features by platform vertical to start. The cross-vertical experiments are holding up, and the same engineered features keep doing the heavy lifting — whatever the industry. (markdown: https://www.tryslatehq.com/blog-markdown/cross-vertical-features)
- [Turning a prepaid card into a charge card](https://www.tryslatehq.com/blog/prepaid-to-charge-card): A credit line behind a card changes what the card is. The same plastic, the same rails, and suddenly the customer is spending money they have not funded yet. (markdown: https://www.tryslatehq.com/blog-markdown/prepaid-to-charge-card)
- [Credit line is live: approve once, draw whenever](https://www.tryslatehq.com/blog/credit-line-is-live): Our second product. One limit sitting in your customer's account, drawn against whenever they need it, with a fixed payback shown before they tap. (markdown: https://www.tryslatehq.com/blog-markdown/credit-line-is-live)
- [Slate joins the Curinos FinTech Incubator to supercharge offer intelligence in North America](https://www.tryslatehq.com/blog/curinos-incubator): We are one of four startups in the 2026 cohort. The part that matters to us is the data we get to measure our models against. (markdown: https://www.tryslatehq.com/blog-markdown/curinos-incubator)
- [Spotlight: Federico Molina](https://www.tryslatehq.com/blog/federico-spotlight): Federico Molina, Founding Risk Partner, in his own words. (markdown: https://www.tryslatehq.com/blog-markdown/federico-spotlight)
- [Spotlight: Omar De La Rosa](https://www.tryslatehq.com/blog/omar-spotlight): Omar De La Rosa, Founding Ops Partner, in his own words. (markdown: https://www.tryslatehq.com/blog-markdown/omar-spotlight)
- [Spotlight: Alejandro Mercado](https://www.tryslatehq.com/blog/alejandro-spotlight): Alejandro Mercado, Founding Software Engineer, in his own words. (markdown: https://www.tryslatehq.com/blog-markdown/alejandro-spotlight)
- [Spotlight: Victor Ligas](https://www.tryslatehq.com/blog/victor-spotlight): Victor Ligas, Founding Software Engineer, in his own words. (markdown: https://www.tryslatehq.com/blog-markdown/victor-spotlight)
- [Four Times Payroll Almost Broke — And What Finally Fixed It](https://www.tryslatehq.com/blog/four-times-payroll-almost-broke): A founding operator's firsthand account of running payroll across borders, missing platform cutoffs, and the product gap that fintech is finally closing. (markdown: https://www.tryslatehq.com/blog-markdown/four-times-payroll-almost-broke)
- [Fairly Capital: the clinics got a product too](https://www.tryslatehq.com/blog/fairly-capital): Fairly's second launch with Slate. Dental clinics can fund equipment, hiring and busy seasons from the same platform they staff through, up to $100,000. (markdown: https://www.tryslatehq.com/blog-markdown/fairly-capital)
- [Hanna Zaidi joins us as an advisor](https://www.tryslatehq.com/blog/hanna-zaidi-advisor): Wealthsimple's Chief Compliance Officer joins Slate as an advisor. (markdown: https://www.tryslatehq.com/blog-markdown/hanna-zaidi-advisor)
- [Meet Alejandro Mercado, Founding Software Engineer](https://www.tryslatehq.com/blog/meet-alejandro): One of the two engineers who built the thing partners actually integrate with, and the person most likely to ask whether we need this at all. (markdown: https://www.tryslatehq.com/blog-markdown/meet-alejandro)
- [Banking, Disguised: Scott on the embedded finance panel](https://www.tryslatehq.com/blog/banking-disguised): Who owns the customer, who carries the risk, and whether embedded finance is distribution leverage or channel conflict. Four answers, one stage. (markdown: https://www.tryslatehq.com/blog-markdown/banking-disguised)
- [Huumans: funding, inside the software small businesses already run on](https://www.tryslatehq.com/blog/huumans): Our second partner launch. Huumans gives Canadian small business owners working capital in the same place they budget, reconcile and ask for advice. (markdown: https://www.tryslatehq.com/blog-markdown/huumans)
- [Invisible banking, on a stage in Toronto](https://www.tryslatehq.com/blog/fintech-symposium): Scott joined the embedded finance panel at the Canada FinTech Symposium, where the phrase of the day was banking you never see. (markdown: https://www.tryslatehq.com/blog-markdown/fintech-symposium)
- [Fairly Cash: the shift is confirmed, so the money is already earned](https://www.tryslatehq.com/blog/fairly-cash): Our first partner launch. Dental temps on Fairly can take the value of a confirmed shift before payday, powered by Slate and wearing Fairly's name. (markdown: https://www.tryslatehq.com/blog-markdown/fairly-cash)
- [Michael Garrity joins our board](https://www.tryslatehq.com/blog/michael-garrity-board): A builder of Canadian small business lending joins Slate's board of directors. (markdown: https://www.tryslatehq.com/blog-markdown/michael-garrity-board)
- [Scott is on stage at TechTO's Rocketships Tour](https://www.tryslatehq.com/blog/techto-rocketships): Vancouver, Web Summit week, six founders and one microphone. Scott is up as a National Rocketships nominee. (markdown: https://www.tryslatehq.com/blog-markdown/techto-rocketships)
- [Scott is speaking at Payments Canada](https://www.tryslatehq.com/blog/scott-payments-canada): Our co-founder and CEO takes the stage in Toronto to talk about what changes when the software a business already runs on is the thing that offers it capital. (markdown: https://www.tryslatehq.com/blog-markdown/scott-payments-canada)
- [The partner dashboard: a window into a program you are not running](https://www.tryslatehq.com/blog/the-partner-dashboard): Two weeks after Capital went live, here is where you watch it work. Customers, offers, applications and agreements, plus the controls that decide how it looks and who sees it. (markdown: https://www.tryslatehq.com/blog-markdown/the-partner-dashboard)
- [Meet Victor Ligas, Founding Software Engineer](https://www.tryslatehq.com/blog/meet-victor): He works on the parts nobody sees: the money moving, the ledger behind it, and the retries that make a failed payment a non-event. (markdown: https://www.tryslatehq.com/blog-markdown/meet-victor)
- [Slate and Fairly Staffing](https://www.tryslatehq.com/blog/fairly-partnership): Our first partnership. Fairly staffs dental clinics across Canada, and the data behind that is exactly what capital has always been missing. (markdown: https://www.tryslatehq.com/blog-markdown/fairly-partnership)
- [Capital is live: your customers can stop filling in forms](https://www.tryslatehq.com/blog/capital-is-live): The first Slate product is out. A fixed advance, sized from data your platform already holds, offered inside your product on the day it is useful. (markdown: https://www.tryslatehq.com/blog-markdown/capital-is-live)
- [Meet Federico Molina, our Founding Risk Partner](https://www.tryslatehq.com/blog/meet-federico): The person who decides what we are willing to be wrong about, and how much. Every model we ship has been argued with by Fede first. (markdown: https://www.tryslatehq.com/blog-markdown/meet-federico)
- [Scott shared the Slate journey at Brex](https://www.tryslatehq.com/blog/brex-all-hands): An Ops All Hands, four former Brex operators, and a conversation about what each of them went off to build. (markdown: https://www.tryslatehq.com/blog-markdown/brex-all-hands)
- [Meet Omar De La Rosa, our Founding Ops Partner](https://www.tryslatehq.com/blog/meet-omar): The person who has actually run the payroll he now helps platforms fix, and who keeps the operational reality in the room while the rest of us design. (markdown: https://www.tryslatehq.com/blog-markdown/meet-omar)
- [We raised $1.3M to put capital inside the software businesses already use](https://www.tryslatehq.com/blog/pre-seed): Our pre-seed round is closed: $1.3M, backed by N49P and North Exit Ventures. (markdown: https://www.tryslatehq.com/blog-markdown/pre-seed)
- [Introducing Slate](https://www.tryslatehq.com/blog/introducing-slate): Capital, inside the software small businesses already use. Here is what we are building and why we think it has to work this way. (markdown: https://www.tryslatehq.com/blog-markdown/introducing-slate)

## Optional
- [Full content as a single file](https://www.tryslatehq.com/llms-full.txt)