Introduction

Embarc is a cloud-native, API-first, multi-tenant loan management platform designed for modern U.S. lenders. Its modular architecture combines micro-services for core servicing, orchestration layers for payments and compliance, and an event-driven backbone that keeps downstream analytics, accounting, and customer channels in sync. Every capability from loan origination, servicing workflows, delinquency, accounting and reporting is exposed through secured REST APIs and backed by granular permissions so you can integrate quickly while meeting strict regulatory and audit requirements.

Design principles

• Composable services – Core lending, payments, accounting, party management, and analytics run as loosely coupled services that can scale independently.
• API-first – Every UI feature uses the same public APIs; documentation and SDKs accelerate partner integrations and custom experience layers.
• Event-driven automation– Business events stream through a message bus, enabling real-time integrations and automated back-office workflows.
• Data residency & security – Tenant isolation, SOC-ready audit trails, field-level encryption, and policy-driven retention comply with U.S. consumer lending regulations.
• Operational observability – Built-in dashboards, metrics, and health checks help lenders operate at scale by providing real time visibility into end of day jobs, payment orchestration and custom hook execution.

Whether you’re running high-volume BNPL programs, consumer installment loans, or portfolio servicing for third parties, Embarc gives you a flexible, regulatory-aligned platform that adapts as fast as your product roadmap.