Fintech platform Paynt has launched a new embedded business funding product that allows merchants to access working capital in minutes directly through their existing payment infrastructure. The product uses revenue-based repayment — automatically deducting a percentage of daily sales rather than charging a fixed monthly payment — making it one of the most cash-flow-friendly merchant funding structures available in 2026.
The launch was reported by FF News on June 23, 2026, and signals an accelerating shift in the embedded finance industry toward same-session capital access for small and mid-sized merchants across the United States.
What Paynt Launched and How It Works
Paynt is a payment technology and merchant services company that processes transactions for small and mid-sized businesses. Its new funding product is embedded directly into the Paynt merchant dashboard, meaning business owners can request, qualify for, and receive a cash advance without leaving the platform they use every day to process sales.
The product operates as a merchant cash advance (MCA) — specifically a revenue-based advance on future receivables. Key features reported by FF News include:
| Feature | Details |
|---|---|
| Access method | Embedded inside Paynt merchant dashboard |
| Approval speed | Minutes — same session as request |
| Repayment structure | Revenue-based: percentage of daily/weekly sales |
| Credit check | Not required — based on Paynt transaction history |
| Fixed monthly payment | None — repayment flexes with revenue |
| Who qualifies | Active Paynt merchants with sufficient sales history |
Sam Kohli, a spokesperson for Paynt, described the product’s core value: “Our merchants now have the ability to easily access additional capital within minutes and on terms that suit their needs.”
“Our merchants now have the ability to easily access additional capital within minutes and on terms that suit their needs.” — Sam Kohli, Paynt (via FF News, June 23, 2026)
Why This Launch Matters for the Merchant Funding Market
Paynt’s product launch is part of a broader wave of embedded finance innovation reshaping how small business owners access capital in 2026. Rather than requiring merchants to apply with a separate lender — submitting bank statements, tax returns, and waiting days or weeks for approval — embedded funding products place capital access inside the tools merchants already use.
This model is already dominant at the largest payment processors. Square Loans (from Block, Inc.) has offered revenue-based advances to Square merchants since 2014, now extending up to $350,000. PayPal Working Capital advances up to $300,000 to repeat borrowers based entirely on PayPal sales history. Stripe Capital offers instant advances to Stripe merchants based on payment volume. Paynt’s launch brings the same embedded-finance playbook to its own merchant base.
The revenue-based repayment structure is particularly significant for merchants with seasonal or unpredictable cash flow. Instead of a fixed monthly loan payment that hits regardless of revenue, the advance is repaid as a percentage of actual sales. In a slow month, the payment is lower. In a strong month, it’s higher — and the advance is retired faster.
What This Means for Small Business Owners
Log into your Paynt dashboard and check for the new funding product. If you have sufficient transaction history, you may pre-qualify for a cash advance without any additional paperwork. This is the fastest path to capital Paynt currently offers.
Revenue-based advances like Paynt’s use a factor rate, not an interest rate. A factor rate of 1.25 on a $50,000 advance means you repay $62,500 total. Depending on how quickly your sales retire the advance, the annualized effective rate can range from 25% to over 100%. Always ask for the total repayment amount — not just the factor rate — before accepting any advance.
Paynt’s embedded advance only works if Paynt is your payment processor. If you process through Square, PayPal, Stripe, or Toast, those platforms have their own embedded funding products with similar structures. And if you don’t use any of these platforms, standalone merchant cash advance lenders — many of which require no credit check and can fund in 24 hours — offer equivalent products to any business with $5K+/month in card sales.
The broader takeaway: embedded finance is making merchant cash advances faster and more accessible in 2026. The product category has evolved significantly from its early days as a high-cost lender-of-last-resort. Today, MCA-style products from payment platforms are often the fastest, most frictionless working capital option available to small merchants — particularly those who do not qualify for traditional bank loans or SBA financing.
The Bottom Line
Paynt’s new embedded merchant funding product is a concrete example of where small business capital is heading in 2026: inside your existing tools, tied to your actual revenue, and available in minutes rather than weeks. For merchants using Paynt, it’s worth checking the dashboard immediately. For merchants using other processors, comparable embedded products exist at Square, PayPal, and Stripe — and standalone MCA lenders cover everyone else.
If you want to compare merchant cash advances and revenue-based funding options from multiple lenders — not just your payment processor — the free funding match tool at FundingExplained.com shows you what you qualify for in about 2 minutes, with no application fee and no hard credit check.
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