U.S. Bank Avvance Expands Embedded Financing Network with Three New Integrated Partners
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point-of-sale lendingfinancial
Point-of-sale lending is a short-term loan or payment plan offered to customers at the time they check out, either in person or online, letting them split or delay payment for a purchase. It matters to investors because it can boost sales and merchant fees but also brings credit risk, regulatory scrutiny and reliance on consumer demand—similar to a store offering instant credit at the register that can increase revenue but may lead to defaults.
embedded financingfinancial
Embedded financing is when a loan, lease, or payment plan is built directly into a product or checkout experience so customers can pay over time without visiting a bank or separate lender. For investors it matters because these built-in credit options can boost sales and customer loyalty, create new fee and interest income, and also bring credit risk and regulatory exposure that can affect future profits and valuation—think of it like a store offering an instant “pay later” option at the cash register.
APIstechnical
APIs are sets of rules that let different software systems talk to each other, like standardized doorways that let apps, data services and websites exchange information without needing to be rebuilt each time. For investors, APIs matter because they speed product development, enable digital partnerships and data feeds, create new revenue or cost savings, and introduce operational or security dependencies that can affect growth and risk.
API-driventechnical
API-driven describes a product, service, or business built around application programming interfaces (APIs) — digital doorways that let software systems talk, share data and automate tasks — rather than manual handoffs or one-off integrations. For investors it signals easier scaling, faster partnerships and lower per-unit operating costs because new customers or features can be added like snapping in modules; it also highlights dependence on technical partnerships and the need for robust cyber-security.
low-code integrationtechnical
Low-code integration is a way to connect different software applications and data sources using visual tools, templates, and prebuilt connectors that require little or no hand-coding. It matters to investors because it speeds up projects, lowers development costs and reliance on scarce engineering talent, and lets companies combine systems and launch or scale digital services faster—like snapping together Lego pieces instead of building each brick from scratch—impacting revenue growth, margins and capital needs.
payment orchestration platformtechnical
A payment orchestration platform is a software layer that coordinates how a business accepts and processes payments, routing transactions through multiple payment providers, fraud checks, and payout methods much like a travel agent booking the best combination of flights and transfers. For investors, it matters because it can lower costs, reduce failed transactions, speed up checkout, and make revenue more reliable by allowing a company to switch or add payment services without rebuilding its systems.
MINNEAPOLIS--(BUSINESS WIRE)--
U.S. Bank today announced the addition of three new integrated partners to its Avvance point-of-sale lending platform, further accelerating the growth of its API-driven embedded financing solutions. KabelSync, Strictly, and United Credit, have launched Avvance as an embedded payment option within their platforms, enabling merchants to offer flexible financing at the point of need.
Avvance continues to focus on delivering seamless financing experiences for merchants and consumers in home improvement and elective medical segments—two industries where affordability and access are critical. Through robust APIs and low-code integration options, partners can now embed U.S. Bank’s trusted lending capabilities directly into their workflows, creating frictionless experiences for customers.
“Avvance is built to help our partners grow by meeting consumers where they are—at the point of decision,” said Rob Seidman, head of U.S. Bank Avvance and Point-of-Sale Lending. “With these new integrations, we’re expanding choice and flexibility for merchants and consumers alike, while reinforcing our commitment to home improvement and elective medical financing.”
Among the new clients using Avvance to meet merchants needs is Strictly, which offers an API-first payment orchestration platform designed for speed, compliance, and scalability.
“It’s not only our intention to please and satisfy our customers, it’s our intention to amaze them,” said Orlando Alvarez, Founder and CEO of Strictly. “Avvance fits perfectly into that vision, giving our merchants a powerful financing option that drives conversion and customer satisfaction.”
U.S. Bancorp, with approximately 70,000 employees and $695 billion in assets as of September 30, 2025, is the parent company of U.S. Bank National Association. Headquartered in Minneapolis, the company serves millions of customers locally, nationally and globally through a diversified mix of businesses including consumer banking, business banking, commercial banking, institutional banking, payments and wealth management. U.S. Bancorp has been recognized for its approach to digital innovation, community partnerships and customer service, including being named one of the 2025 World’s Most Ethical Companies and one of Fortune’s most admired superregional banks. Learn more at usbank.com/about.
