Slope

Slope is credit infrastructure for business lending. Its models read raw business bank transactions and turn them into underwriting signals, and the company packages that capability two ways: SlopeScore, a cash flow risk score for small and medium businesses, and Embedded Capital, a white label line of credit that platforms, marketplaces and B2B sellers can offer their business customers at checkout or as a standalone facility. SlopeScore is for lenders and platforms that already run a credit program and want to extend it to sole proprietors and thin file businesses that conventional bureau scores overlook. The Slope Transformer, a model trained specifically on business transactions, categorizes income, revenue and debt using a business industry taxonomy, reconstructs profit and loss and cash flow statements from the raw data, forecasts deposit timing, seasonality and volatility, resolves entities to surface connected accounts and fraud, and updates the score continuously as conditions change. Delivery is API first, with CSV and SFTP options. Embedded Capital is for wholesalers, distributors, manufacturers, vertical SaaS companies, neobanks and fintechs that want to offer net terms, checkout financing or purchase order financing without carrying the credit risk themselves. Pricing is not published. SlopeScore is sold through sales conversations, and Embedded Capital advertises APRs that go as low as 9.00 percent, with fees that vary by risk assessment and loan term. Loans under the embedded program are made by Lead Bank and require credit approval. Slope has announced a relationship with Amazon and reports more than $500 million in SMB loan originations funded with its own capital.