The intelligence layer
for embedded lending.
The right capital, at the right moment, inside every platform.
Our mission
We fuel small
business growth.
Every platform that touches a small business is sitting on the data to fund it. We turn that data into capital — delivered natively, before they even ask.
The growth flywheel
Credit supercharges your platform.
Every dollar comes back multiplied.
Every platform wants to offer capital
More capital means merchants grow faster, spend more, and stay longer. The flywheel is obvious.
Slate is the shortcut
Plug us in. We run the full program behind the scenes. You go live in 24 hours.
The model
You bring the relationship.
We bring everything else.
Your Side
🏪
Merchant
Gig workers, fleet operators,
shop owners, restaurant staff
shop owners, restaurant staff
🏢
ISO / Payfac
Distribute the offer inside
your product. Your brand.
your product. Your brand.
One API · One-time
Platform integrates once. Slate runs forever.
Three ways to launch
Three surfaces. One decision engine.
Ready to launch
Ready to Launch
Go live in hours, not months. Zero infra.
Integration complete
18 hrs
✓Connect platform data
✓Configure offer products
✓Compliance review
First offer delivered
For borrowers
Widgets
White-labeled, embedded, conversion-tuned.
For partners
APIs
Programmatic access. Build your own surface or use ours.
curl -X POST
https://api.slate.ca/v1/offers
-H 'Authorization: Bearer $TOKEN'
-d '{"customer_id": "cus_a8f",
"amount": 15000}'
What your merchants see
A native capital offer,
inside your platform.
01
Pre-qualified before they ask
Slate underwrites your merchant base continuously. When a business qualifies, the offer appears in your dashboard — no application required.
02
One tap to accept
No paperwork. No branch visit. Decision in seconds, funds same day.
03
Repayment is automatic
A fixed percentage of revenue. Payments flex with the business — no missed payments, no collections stress.
What you see
Full visibility into every loan
on your platform.
01
Real-time portfolio tracking
Total outstanding, approval rates, default rates — updated live.
02
Per-customer loan detail
Every borrower, every loan, every repayment in one place.
03
API or export
Pull data into your own systems. No manual work required.
What makes Slate different
Slate continuously underwrites
your entire merchant base.
📡
Always-on underwriting
We score your entire merchant base continuously using real-time sales, payroll, and transaction data — not just at application time.
🎯
Precision targeting
We approve qualified merchants before they ask — at the right moment, with the right offer. Not a broadcast to everyone.
🔒
Platform trust converts
Merchants trust the platforms they run their business on. That trust — combined with our intelligence — drives conversion banks can't match.
Old model
- ✗Broadcast ads to everyone
- ✗Chase desperate borrowers
- ✗High CAC, poor credit quality
- ✗One-size offer
Slate model
- ✓Pre-approve the right merchants
- ✓Offer appears in their dashboard
- ✓Zero CAC, high repayment
- ✓Offer matched to their data
Platforms cherry-pick the strongest merchants. Real-time revenue data + platform loyalty = better loans than any bank can make.
Meet the founders
Built by the people who know exactly what's broken — and why.
SUPERPOWER
Turns regulation into competitive moat. A decade of building risk engines across banks and fintechs → knows every step from bank → fintech → hyperscale.
$50M debt facility. Scaled lending ops to $15M in revenue. Negotiated bank partnerships + regulatory engagement
Led Canada expansion. Structured compliance frameworks. Supported U.S. MTL licensing. Closed major B2B platform deals.
Goldman
Sachs
Sachs
Grounded in bank-grade risk + bsa/aml
Scaled compliance + onboarding for thousands of startups. Built the systems that let fintechs move fast without breaking.
SUPERPOWER
Turns rejection walls into revenue engines. A 0→1 product leader who knows how to find the pain, hack the workaround, and build the scalable solution.
Led Product for Risk, Compliance & Cards. Issued $50M+ credit, scaled to $15–20M monthly spend, grew customers 100 → 5,000+. Lived the pain that became Slate.
Built & exited a healthtech platform with 25K users and $6.5M+ payments processed.
Product ops at Instagram, scaling ML + infra tools adopted across global teams.
The right people in the room.
Board
Michael Garrity
President · Founder · Former CEO
Advisor
Hanna Zaidi
Chief Compliance Officer
Investor
Lead
Investor
Capital is the commodity.
We're building the operating system.
We're building the operating system.
scott@tryslatehq.com