
Embedded lending has gained significant traction, especially in the UK. It has transformed the way the world accesses credit and digitised lending as we know it. While lenders, accountants, advisors and SMEs all stand to benefit from this transformation, creating the necessary infrastructure from the ground up requires substantial time, resources, and skilled personnel. With AI, machine learning, real-time data, and API-first infrastructure, banks are in a particularly advantageous position if they leverage API integration with SaaS companies like Pulse.
Pulse’s Unified Lending Interface (ULI) is an interoperable layer that combines various solutions to optimise, automate, and expedite the entire credit journey. Pulse’s Loan Origination System (LOS) reduces application time to under 3 minutes, while the automated underwriting solution, Einstein aiDeal, can auto-decision 95% deals in less than 45 seconds, forming an end-to-end loan origination solution. Pulse’s Loan Management System (LMS) helps track repayments, manage defaults and delinquency, thus transforming the lending journey. Pulse ULI enables banks, lenders, brokers, and platforms to effortlessly embrace embedded lending in a matter of days rather than months. To learn more about Pulse ULI, contact us today.
Benefits for Banks Using Embedded Lending via Pulse ULI
Speed and Scale with Lower Operational Overheads
Banks have historically invested heavily in internal underwriting, including loan origination and loan management systems, compliance tools, and manual reviews. With Pulse ULI, banks can leverage powerful solutions via one intuitive interface. From APIs for onboarding and automated underwriting to KYC/AML, decisioning based on bespoke criteria. For example, Nucleus Commercial Finance reported a 50% increase in applications and 100% more disbursements in comparable months after embedding Pulse’s ULI.
Instead of months of integration, vendor selection, compliance, and risk build-out, partners can embed lending in just days. For banks, this means faster ROI and the ability to respond to competitive pressure from challenger banks and fintechs.
Better Risk Decisioning Using Real–Time and Alternative Data
Traditional underwriting relies heavily on static data such as credit scores and past financial statements. But Pulse ULI allows banks to leverage powerful solutions designed to help increase volumes, speed and efficiency. For example, Pulse’s signature underwriting solution: Einstein aiDeal, uses customisable criteria and can decision 95% of deals in under 45 seconds.
This improves the speed and accuracy of underwriting, and thus loan decisions and fund disbursement, enabling banks to process thousands of applications in seconds, thus raising volumes, conversions, and revenue.
Revenue Diversification and New Distribution Channels
Embedded lending allows banks to access revenue streams beyond traditional customer acquisition and branch/digital portal lending. By embedding in partner platforms (marketplaces, accounting tools, supplier platforms), banks meet customers at their point of need. Pulse ULI enables lending at “moments of intent” inside workflows, increasing conversion. Nucleus Commercial Finance saw an increase in applications via Pulse ULI, which serves as a use case.
Platforms also tend to have long-lasting customer relationships. Offering finance embedded inside those experiences increases cross-selling and retention.
Enhanced Customer Experience and Market Differentiation
Embedded lending reduces manual friction: fewer forms, faster decisions, and borrower experiences aligned with their workflow. For SMEs and business customers, speed and seamlessness matter, especially since delayed credit decisions or manual overheads are often dealbreakers. The sheer speed and convenience of embedded lending can increase repeat business and customer loyalty.
Moreover, being able to display real–time, customised offers and transparent pricing via platforms that customers trust becomes a differentiator. Banks leveraging solutions like Pulse ULI are not just lenders. They become value enablers in partner ecosystems.
Pulse ULI in Action: Case Study Highlights
To illustrate how lenders can scale operations, improve volumes and enhance speed, here are concrete real–world outcomes from UK-based entities that integrated with Pulse ULI
- Nucleus Commercial Finance: Integrated Pulse’s Lending APIs and saw a 50% increase in applications, a decisioning speed of 95% of applications within 45 seconds, and disbursements were up 100% compared to the same period in 2024.
- LoanTube, a UK digital credit marketplace, embeds financing offers using Pulse ULI together with real–time data from Companies House and credit bureaus. The result: more personalised offers, reduced redundancy in data entry, faster approvals, and improved borrower satisfaction.
These examples show that embedding lending doesn’t just improve metrics, it redefines how to compete in terms of speed, distribution, risk, and customer experience.
Strategic Steps for UK Banks Looking to Leverage Pulse ULI in 2025
For banks ready to embed, here’s a playbook of what forward-thinking institutions should do:
Define whether to underwrite directly or facilitate: Decide how much risk, margin, or regulatory obligations you wish to carry versus outsourcing to a SaaS partner.
Partner selection and due diligence: Look for SaaS providers like Pulse with proven regulatory compliance, strong security certifications, and the ability to customise underwriting criteria, with reliable SLAs.
API first modernisation: Ensure internal systems (risk, compliance, legal, and product) are ready to integrate API driven underwriting, loan origination and servicing.
Embed risk and consumer duty frameworks: Ensure affordability, suitability, and transparency are a part of embedded offers. Be proactive in disclosures, fair terms, and clarity of fees.
Test Waters in verticals with defined workflows: Accounting platforms, marketplaces, or supplier ecosystems are good starting points where you can control the interface, data, and the customer journey.
Conclusion
In 2025, banking is shifting decisively toward embedded lending not as a curiosity but as a core part of credit distribution strategies. Pulse ULI offers banks the opportunity to scale, diversify revenue, and deliver embedded credit experiences that align with evolving regulatory demands.
For banks that are willing to embrace technology and integrate modern data flows, the benefits are substantial. Faster growth, lower friction, improved margins, stronger relationships with partners and customers and immense volumes are just the start. Pulse ULI exemplifies how lenders can achieve these outcomes with minimal upfront infrastructure risk, real–time underwriting, and modular solutions and API-first architecture built for scale.
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