Xplor Capital: Embedded Financing That Helps Small Businesses Grow

Small businesses are the backbone of the industries we serve. They’re the fitness studio owners creating spaces for connection, the home service professionals keeping communities running, and the entrepreneurs building businesses from the ground up.

But regardless of industry, one challenge remains universal: growth requires investment.

Whether it’s purchasing equipment, opening a new location, hiring employees, investing in marketing, or managing seasonal cash flow, business owners need access to resources that help them move forward. Too often, securing those resources can be a barrier to growth.

That’s why we’re continuing to expand how we support our customers not only through operational software, but through solutions that help them run, manage, and grow their businesses.

The Next Evolution of Vertical SaaS

The role of business software is changing.

Historically, software platforms focused on helping businesses operate more efficiently. Today, business owners expect more from the technology they use every day.

Across industries, leading vertical SaaS providers are expanding beyond core software capabilities to deliver services that help customers grow. Embedded payments, financing, and other business solutions are becoming an increasingly important part of the customer experience.

For small and medium-sized businesses, this shift means easier access to the tools and resources they need without leaving the platforms they already know and trust.

At Xplor, we see this as a natural evolution of how we support our customers. Because helping businesses succeed isn’t just about simplifying operations. It’s about helping remove barriers that stand in the way of growth.

What Is Xplor Capital?

Xplor Capital is Xplor’s embedded financing solution, giving eligible businesses pre-approved funding offers directly within the software they already use to run their business — no separate application required. It helps small and medium-sized businesses access funding without disrupting their day-to-day operations. Instead of navigating lengthy applications or traditional lending processes, eligible customers can receive pre-approved offers based on their business performance, informed by signals such as sales volume, revenue trends, and seasonality.

Built by our Platform team as a centralized solution that can be adopted across Xplor portfolios, Xplor Capital provides a proactive and streamlined experience for accessing growth capital.

Why We Built It

Access to capital remains one of the biggest challenges facing small businesses.

Many of our customers have clear goals for growth but face hurdles when it comes to securing funding. They need capital to hire staff, expand locations, purchase equipment, invest in marketing, or manage seasonal fluctuations.

By embedding financing directly into our software ecosystem, we’re making it easier for business owners to access the resources they need to grow without disrupting their day-to-day operations.

More importantly, we’re helping create a connected experience where businesses can access the tools, services, and support they need in one place.

Supporting Growth Across the Xplor Ecosystem

As of June 2026, Xplor Capital has:

These milestones represent more than funding delivered. They represent business owners investing in their futures, expanding their operations, and creating new opportunities for growth.

Looking Ahead

The future of business software goes beyond helping companies operate efficiently.

Business owners increasingly expect their software platforms to provide the services and resources they need to succeed. Across the vertical SaaS industry, embedded financial services are quickly becoming part of that expectation.

At Xplor, we’re committed to meeting our customers where they are and helping them get where they want to go.

By bringing together software, payments, and growth solutions within a connected ecosystem, we’re helping businesses spend less time navigating obstacles and more time focusing on what matters most: building thriving businesses.

Frequently Asked Questions

Is Xplor Capital a loan?

Xplor Capital offers are structured as pre-approved funding based on business performance rather than a traditional bank loan application.

Who is eligible for Xplor Capital?

Eligibility is based on a business’s performance data within participating Xplor platforms, including factors like sales volume and revenue trends, rather than a credit application.

Which Xplor brands offer Xplor Capital?

Xplor Capital is available to eligible businesses using Mariana Tek, Service Autopilot, FieldEdge, Momence, and  Spot with availability continuing to expand across the Xplor ecosystem.

How do I check if my business is eligible?

Eligible businesses are notified directly with a pre-approved offer. You can also check your eligibility at any time on the Xplor Capital page.

Where is Xplor Capital available?

Xplor Capital is currently available to eligible businesses in the United States and Canada.

All loans are issued by Celtic Bank. All loans and offers are subject to credit approval, identity verification, and are subject to periodic review and may change without notice. Bank transfers are subject to review