Pymt
Pymt: Borrowing-base credit and APIs for finance teams, with contact-sales pricing. Ranked #24 of 33 in Embedded Lending Platforms by our editors (5.8/10); pricing: Pricing on request; best for mid-market firms managing asset-backed credit facilities.
At a glance
- Editor score5.8 / 10
- PricingPricing on request
- Best forMid-market firms managing asset-backed credit facilities
- API accessYes
- Facts checked28 Sep 2026
Where it wins
- Configurable borrowing-base facilities secured by eligible assets
- APIs control limits, eligibility, draws, repayments, and availability
- Dashboard tracks credit, collateral, utilization, and portfolio performance
Where it doesn't
- Pricing requires contacting sales or arranging a walkthrough
- Cloud deployment is the available deployment model
- Support is provided through email
Our verdict on Pymt
Pymt is an embedded credit platform for financial companies, including factoring firms and credit unions. It is designed for mid-market and enterprise finance or platform teams managing borrowing-base-driven, asset-backed facilities. Teams can use receivables or other eligible assets as collateral, set facility parameters and limits, monitor available credit, draw funds, and make repayments. A dashboard brings together collateral, borrowing-base utilization, capital flows, and portfolio performance.
The core lending model centers on configurable borrowing-base facilities. Capacity can scale with receivables or revenue, while APIs let partner workflows or products manage credit limits, eligibility rules, draws, repayments, and availability. This combination suits organizations that need facility controls inside existing finance or servicing processes rather than a standalone borrower experience. Platform and credit-facility access is handled through a request or scheduled walkthrough, and pricing follows a contact-sales model.
Pymt connects with existing finance, servicing, and accounting workflows and is available through web and API interfaces. Its cloud deployment keeps the operating model focused on hosted access, while email is the stated support channel. The product fits teams that already understand asset-backed credit operations and need programmable controls around collateral and borrowing bases. Organizations seeking a self-serve purchase path, a broader borrower-facing lending journey, or support channels beyond email should evaluate whether Pymt’s operating model matches their requirements.
Pymt pricing
Pymt fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Offer types | Not verified |
| API access | Yes |
| Underwriting method | Not verified |
| Funding speed | Not verified |
| Maximum funding | Not verified |
| Repayment basis | Not verified |
| Deployment | Cloud |
| Platforms | Web |
| Support | |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Pricing | Pricing on request |
| Website | pymtfi.com |
| Facts checked | 28 Sep 2026 |
Alternatives to Pymt
- Stripe CapitalA Stripe Connect financing layer with automated underwriting and revenue-based repayment.9.2
- PayPal Working CapitalFast, PayPal-linked working capital for small businesses that repay from sales.8.8
- Cashfree Embedded LendingConfigurable embedded lending journeys with APIs, UI components, and loan operations.8.7
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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