FinOps + Finance infrastructure for B2B platforms

Offer your B2B customers financial operations and financing. We provide end-to-end, composable APIs for financing, payments, collection, reconciliation.
SaaS Platforms

Let your B2B platform stand out

Offer the smoothest user journey.

Reduce churn

Increase customer retention by becoming their financial partner

Attract & grow new users

Help customers grow their business through ops automation and financing

Increase Lifetime Value

Charge a percent of the volume you process

Get going in hours


API-first + UIs for onboarding buyers and sellers


APIs and automations for ledgers, trade finance, payouts, collections and reconciliation

Data and Analytics

“Big fan of @clehene for more than a decade and his ability to execute at massive scale. Make sure you check out what they are doing at TapW”

Wade Arnold

CEO, Moov

“TapWater has taken away the pain of embedded lending but isn't itself a balance sheet lender (building a marketplace between banks and SaaS platforms).”

Simon Taylor

Fintech Brain Food

“Embedded lending startup TapWater is now available in beta and has a waitlist in progress for Software-as-a-Service (SaaS) companies and other B2B firms.”

Get up and running in 2-4 weeks

with a beautiful drop-in, embedded user experience

Launch products that fit your user-base

Automation and funding when they sell, after they sell, for their invoices, orders, or inventory


Built for your customers' needs and fit to their use-cases

API First

Deeply integrated, seamless experiences using our APIs, Components and Webhooks

Let us do the heavy-lifting

We handle the data wrangling, ledgers, money movement and compliance.

Highest degree of control and privacy

You own your users and their data.

Launch finance products that ignite top-line growth

Get started
Capital Partners

We're constantly looking for the best funders on the market

Maximize acquisition

We combine your credit model with SaaS platforms' data to maximize acquisition potential

Expand market

Scalable customer acquisition via new demand channels

Increase conversion

Digitally Embedded is the highest conversion channel

Our stellar team

At TapWater, we work on new breeds of “autonomous finance” business models, that enable frictionless financial interactions at key decision moments in the customer's journey.

We strongly believe that big data, analytics and machine learning will be the core pillars that allow financial institutions to transfer their competitive advantages to the digital world.
Businesses trust TapWater
Applications processed

Stellar investors and advisors from