Lendica is a financial technology company that specializes in providing fast, flexible, and fair financing to small and medium-sized businesses (SMBs), particularly those in underserved or niche markets. The company's core business model is centered on "embedded lending," where it integrates its financing solutions directly into B2B software platforms, payment providers, and marketplaces that SMBs already use. By leveraging real-time sales and performance data from these platforms, Lendica can underwrite and offer capital more efficiently than traditional lenders, helping businesses access funds for inventory, expansion, and operational needs.