Discover how multi-bank embedded finance models improve financial flows for sellers and suppliers while streamlining operational processes.
One of the main challenges marketplaces face today is not finding new sellers and/or suppliers, but the financial constraints experienced by existing sellers in accessing funding.
While these constraints silently slow down the flow of commerce, many companies interpret this slowdown as “market stagnation.”
However, the picture is much clearer: high-cost and limited financing options are narrowing sellers’ room to operate.
For this very reason, multi-bank embedded finance models that facilitate access to financing are no longer merely an operational choice; they are becoming a strategic infrastructure that provides marketplaces with a tangible competitive advantage.
If you’re ready, let’s take a closer look at how these models work and how they create value for marketplaces through Faturalab’s Hepsiburada case.
Multi-bank embedded finance models are an infrastructure that enables digital commerce platforms to offer their sellers competitive financial solutions from multiple banks through a single integration.
Sellers and/or suppliers can complete transactions such as payments, credit, and collections directly within the platform where they conduct business without switching to a separate banking application.
“Companies that implement embedded finance models increase customer lifetime value by 2-5 times, while customer acquisition costs decrease by 30%.
When platforms add financial features, user engagement increases at double-digit rates. More than 70% of mid-sized businesses state that multi-bank embedded finance models significantly increase average revenue per customer.”
This structure operates through integrations established between a licensed financial institution, a technology provider (such as Faturalab), and the commerce platform, transforming the end-to-end experience into an invisible yet continuous financial infrastructure.
In a multi-bank embedded finance model, the marketplace connects its sellers’ invoice and payment data to a financial orchestration platform through a single integration.
These platforms simultaneously present sellers/suppliers with credit limits, pricing, and maturity options from multiple banks. As a result, instead of relying on a single bank, a competitive and flexible financing pool is created.
The process generally works as follows:
This entire flow takes place within the marketplace interface, within seconds, providing sellers with seamless access to financing.
For this structure to be implemented effectively, the multi-bank setup must be operationally manageable. Integrating multiple banks into the system may initially seem like an operational nightmare.
However, integrating technological solutions into workflows accelerates adaptation processes. Next-generation technologies like Faturalab manage complexity behind the scenes, allowing the marketplace to access the entire bank pool through a single integration.
These finance models deliver multidimensional benefits not only to sellers but also to marketplaces and digital commerce platforms, extending value across a broader business ecosystem.
In the table below, we have summarised the gains provided for companies (marketplaces / digital commerce platforms) and sellers comparatively.
| Companies (Marketplaces / Digital Commerce Platforms) | Sellers / Suppliers |
|---|---|
| Increased product availability and inventory depth. As seller liquidity strengthens, shelf gaps decrease, sales losses are minimised, and a more resilient commerce ecosystem emerges better equipped to absorb demand fluctuations. | Fast and cost-effective access to cash. The ability to choose among instant bank offers lowers financing costs and enables sellers to plan sales, procurement, and shipment processes without delays. |
| Higher seller loyalty and NPS. Platforms that offer transparent pricing, alternative financing options, and fair limit allocation become the preferred trade partner, increasing the marketplace’s overall attractiveness. | Competitive financing advantage. Competition among multiple banks delivers better rates and more flexible maturities, creating a critical inflexion point, especially for businesses facing cash flow constraints. |
| Ability to transfer risk from the balance sheet to banks. Marketplace models can be structured without tying up capital, making risk and limit management a strategic option within balance sheet management. | Inclusive access. SMEs can access appropriate limits regardless of scale, while companies sensitive to interest-based financing can participate through participation bank alternatives. |
| Operational efficiency and reduced IT burden. A structure where all banks are integrated through a single connection eliminates manual tracking and reconciliation costs; errors decrease and teams gain valuable time. | Transparent decision-making mechanism. Rates, fees, and deductions are displayed clearly, eliminating the risk of “hidden costs” and enabling sellers to make more rational financing decisions. |
| Competitive differentiation. Platforms that turn financing into a value proposition differentiate not only on price, but also through seller experience, access to liquidity, and continuity of trade. | Increased growth capacity. As access to financing becomes easier, product variety, inventory volume, and sales capacity expand, allowing sellers to scale sustainably within the marketplace. |
Hepsiburada, in collaboration with Faturalab, has implemented one of the most advanced examples of embedded finance applications in Türkiye.
The model enables sellers to receive real-time pricing from four banks, daily invoice-based offers, partial discounting, and same-day payments without ever leaving the Hepsiburada portal.
In other words, financing is fully embedded into sellers’ operational workflows.
In the first phase of the program:
This embedded finance structure enabled sellers and/or suppliers to hold more inventory, plan higher production volumes, and offer a broader product assortment on the marketplace by accessing funding precisely when needed.
Through this model, Hepsiburada achieved increased product availability, stronger seller liquidity, and a more competitive marketplace position.
Another factor that makes Hepsiburada’s model unique is its ability to maintain uninterrupted cash flow through dynamic discounting aligned with market conditions, even on days when banks are unable to provide funding.
Thanks to this structure, the embedded finance model has evolved into a strategic liquidity mechanism that ensures continuity for marketplace sellers and keeps the flow of commerce active.
Embedded finance enables digital commerce platforms to evolve from being merely sales channels into fully integrated commerce infrastructures. From payments and collections to seller financing and risk management, a wide range of functions operate seamlessly in the background without disrupting the user experience.
When combined with multi-bank structures, this infrastructure becomes a foundational building block enhancing marketplace resilience during periods of crisis while accelerating scalability during growth phases.
The right financial integration elevates all key metrics, from seller/supplier loyalty to product availability. With its multi-bank architecture, Faturalab helps transform this impact into a measurable growth lever.
Would you like to make your business processes more flexible with embedded finance solutions? Beyond e-commerce, Faturalab supports businesses and sellers across sectors such as retail, manufacturing, and digital commerce by enabling more efficient financial process management.
Contact us today to learn more about our next-generation solutions!
