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Kuik does not directly provide any financing. Kuik acts as an intermediary for financing solutions, and all financial processes are carried out through Kuik's partnered banks and financial institutions. Kuik serves as a technology-based bridge between its users and financial institutions.

Account opening, onboarding, and payment services are provided by Narvi Payments Oy Ab, an electronic money institution regulated by the Finnish Financial Supervisory Authority (FIN-FSA). Kuik does not provide regulated payment or e-money services.

The Kuik Master Card, The Kuik Master Corporate Card and the Kuik Master Commercial Card are issued by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited. Visa is a registered trademark of Visa Europe Limited.

*Services provided by Narvi Payments Oy Ab, a regulated EMI.**Cards issued by Stripe.
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Integration

14 Days

Modular Products

3 Modules

Fintechifying the Restaurant Ecosystem

White-label embedded finance infrastructure for food platforms and restaurant chains. Go live across your network in 14 days.

White-Label API

Live across your network in 14 days

Embedded Finance

White LabelLive in 14 DaysRevenue Share

Turn your platform data into financial services, — score restaurants with Kuik Score AI, earn through revenue sharing with modular products.

LIVE DEMO

White-Label Widget Experience

Your brand, your platform — Kuik infrastructure runs in the background.

https://foodflow.com/admin/finance

F

FoodFlow

Powered by Kuik

Restaurant

Marco's Kitchen

Kuik Score
0/100
Active Modules0/3
LIVE

Finance Modules

Add or remove

Buy Now Pay Later

Add Module

Working Capital

Add Module

Early Payment

Add Module

Kuik Embedded Finance API v2.1
Latency: 42ms
Online
Live across your network in 14 days

Kuik Score AI

Marco's Kitchen87
Pizza Roma72
Sushi House91

Score-based automatic limit setting

Smart Scoring with Kuik Score AI

We analyse restaurant cash flows through your platform data using AI, assigning a personalised financing score to each business. The score automatically shapes available products and limits.

  • Real-time analysis from POS and platform data
  • Personalised score for each restaurant
  • Score-based automatic limit setting
  • Continuously learning AI model

Buy Now Pay Later

Modular Widget

Available Limit

€12,000

30–120 day terms

BNPL Module

Restaurants on your platform can make supplier purchases with 30–120 day terms or up to 12-month instalments. Everything happens within the platform, white-labelled.

  • 30–120 day supplier credit
  • Up to 12-month instalment option
  • Seamless in-platform experience
  • Transparent daily-cost pricing

Working Capital

Modular Widget

Available Limit

€8,500

Same-day disbursement

Working Capital Module

Instant working capital based on restaurant sales data. Automatic repayment from daily sales without disrupting cash flow.

  • Capital limit based on sales data
  • Same-day disbursement
  • Automatic repayment from sales
  • No collateral, no guarantor

Early Payment

Modular Widget

Available Limit

€4,500

3%+VAT platform fee

Early Payment Module

Convert accumulated platform receivables and earnings to cash without waiting for maturity. Restaurants can collect quickly without inflation loss.

  • Convert platform receivables to instant cash
  • Accelerate earnings with early payment
  • Inflation protection advantage
  • Platform fee starting from 3%+VAT

14-Day Roadmap

Sprint

Day 1–3

API Integration

Day 4–7

Testing & QA

Day 8–10

Pilot Launch

4

Day 11–14

Full Launch

Progress75%

Revenue Sharing & 14-Day Integration

Work with Kuik through a revenue sharing model — earn from financial services at zero cost. Go live across your platform network in 14 days with our API.

  • Zero-cost model with revenue sharing
  • End-to-end integration in 14 days
  • RESTful API & SDK support
  • Dedicated customer success manager

COMPARISON

Kuik Embedded Finance vs. Build Your Own

Why choose Kuik infrastructure over building from scratch?

Kuik Embedded Finance

Build Your Own

Time to Market

Live in 14 days

Time to Market

12–18 months development

Cost

Revenue share, no upfront cost

Cost

Multi-million dollar investment

Licensing & Compliance

Fully compliant with Kuik licences

Licensing & Compliance

Licence application and regulation process

Ready to fintechify your platform?

Financial services are provided by licensed banks or financial institutions. Kuik acts as an intermediary for financial services. Product details and conditions are subject to the integration agreement.

Frequently Asked Questions

Which platforms is embedded finance suitable for?

Food delivery platforms, restaurant chains, supply chains and restaurant management systems can use our embedded finance infrastructure.

How long does integration take?

With API integration, you go live across your platform network in 14 days. Our technical team manages the process end-to-end.

How does revenue sharing work?

You earn a share of revenue from financial services offered through your platform. No upfront cost or licence fees.

How is the Kuik Score calculated?

Kuik Score AI analyses platform sales data, order frequency, payment behaviour and seasonal trends to generate a personalised score for each restaurant.

What does white-label mean?

All financial services are presented under your brand. Users never see the Kuik infrastructure — they experience it as part of your platform.

Which modules can I choose?

You can select one or more from BNPL, Working Capital and Early Payment modules based on your needs.

Fintechify Your Platform

Set up embedded finance infrastructure in 14 days, start earning with revenue sharing.