Dinie

Dinie is a Brazilian fintech company that operates on a B2B model, providing embedded lending infrastructure and payment solutions for digital platforms. The company enables these platforms to offer instant credit and other financial services to their own merchant clients, which are primarily micro, small, and medium-sized enterprises (MSMEs).

Through its API-first approach, Dinie integrates directly with marketplaces, SaaS companies, and other digital ecosystems. This allows for a seamless provision of capital to MSMEs at the point of need, leveraging the data from the platform to underwrite the loans. The business model is centered around this "lending-as-a-service" offering, where Dinie earns revenue from the financial products it facilitates.

By embedding financial services within non-financial platforms, Dinie addresses the credit gap for small businesses in Brazil, offering them flexible and convenient access to financing without the need to go through traditional banking channels. The company's services are designed to support the growth of the digital economy by providing essential financial tools to its participants.

Keywords: embedded finance, lending-as-a-service, B2B payments, fintech, API-first, MSME financing, credit infrastructure, digital platforms, Brazil, financial services