Equipifi, a fintech company focused on embedded flexible payment solutions for financial institutions, has raised $34 million in a Series B funding round led by Left Lane Capital.
Existing investors including Curql and PHX Ventures also participated in the round, bringing the company’s total funding to $49 million. Founded in 2021, Equipifi develops infrastructure that enables banks and credit unions to offer installment payment and Buy Now, Pay Later (BNPL) services directly within their digital banking platforms.
What The Company Does
Equipifi provides embedded payment technology that allows banks and credit unions to integrate flexible installment payment options into their existing digital banking experiences.
Its platform enables financial institutions to offer customers the ability to split purchases into installment payments without relying on external BNPL providers. The system is integrated directly into existing banking applications, allowing consumers to access payment flexibility through their primary financial institution.
The company focuses on infrastructure designed for traditional financial institutions rather than standalone consumer finance apps. Its technology is intended to support seamless integration, reliability, and consistent customer experiences across digital banking environments.
Equipifi positions its platform as a way for banks and credit unions to strengthen customer relationships while expanding lending and payment services within their own ecosystems.
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Market Context / Industry Background
Flexible payment solutions and Buy Now, Pay Later services have become an increasingly significant segment of consumer finance, particularly as consumers seek alternatives to traditional credit products.
While much of the early growth in BNPL was driven by standalone fintech providers, financial institutions are increasingly seeking to integrate similar functionality directly into their own digital platforms to retain customer engagement and transaction activity.
Embedded finance infrastructure has therefore become an important area of investment within fintech, particularly among companies helping traditional banks modernise payment and lending capabilities without requiring customers to leave existing banking environments.
According to Equipifi, adoption of embedded flexible payment solutions through banks has increased significantly over the past year, reflecting broader consumer demand for integrated and banking-native payment experiences.
This shift is also being accelerated by changing consumer expectations regarding convenience, accessibility, and personalised financial services. Many customers now expect seamless payment options to be incorporated directly into the apps and digital ecosystems they already use daily. As competition within digital banking intensifies, banks are under increasing pressure to provide innovative lending and payment experiences that can compete with fintech-native platforms while maintaining customer trust, security, and long-term loyalty.
Founder / Investor Commentary
Founder and CEO Bryce Deeney described Buy Now, Pay Later as becoming a permanent component of consumer payment behaviour alongside debit and credit cards.
According to Deeney, financial institutions are well positioned to provide these services directly because of existing customer trust and established banking relationships.
He also stated that Equipifi aims to build infrastructure enabling banks and credit unions to compete more effectively in the evolving payments landscape as consumer expectations around payment flexibility continue to change.
Growth Plans / Use Of Funds
The newly raised funding will support expansion of Equipifi’s banking and credit union partnerships across the United States.
The company also plans to invest in product development, expand platform capabilities, and grow its product and engineering teams.
Additional funding will support continued scaling of embedded payment infrastructure as more financial institutions integrate flexible payment options into digital banking services.
About Equipifi
Equipifi is a US fintech company founded in 2021 that develops embedded flexible payment infrastructure for banks and credit unions. Its platform enables financial institutions to offer installment payment and Buy Now, Pay Later services directly within existing digital banking applications. Equipifi focuses on helping banks modernise consumer payment experiences while strengthening customer engagement and expanding lending capabilities.
