Overview

For nearly two centuries, Dun & Bradstreet (D&B) has been a leading partner for businesses, providing reliable data and insights that enable them to assess risk and make informed growth decisions. Serving primarily small and medium-sized businesses (SMBs), D&B empowers organizations to make informed decisions and stay competitive. But even with robust intelligence at their fingertips, many of  D&B’s small business customers still struggled with one critical roadblock: access to capital. 

To address this, D&B first turned to Lendio in early 2023 as a referral partner—connecting customers to the Lendio Marketplace of 75+ vetted lenders. In 2024, D&B moved from a referral partner to the first implementation of Lendio’s Embedded Marketplace SaaS solution. This implementation enabled D&B customers to apply for funding fully within the MyD&B portal. The result? A streamlined, always-on financing experience that has already helped D&B’s customers secure over $15 million in funding.

“Our top priority is helping to ensure the success of our small business customers, and their ability to have fast access to capital is critical. Lendio’s Embedded Marketplace solution allows us to leverage all of the rich data within a customer’s MyD&B profile to streamline their funding application and enable them to access a wide range of capital options.”

Chris Moss, Small Business Solutions GM, Dun & Bradstreet

The challenge

D&B customers are primarily SMBs – an audience that frequently faces hurdles when securing business capital. Access to capital is often the number one source of stress for small business owners, and 75% of small businesses report that they consider access to financing very important to the survival of their business.¹ In an environment where financial stability is paramount, the ability to secure funding can mean the difference between growth and stagnation. A financing partner for D&B had to be able to address key pain points faced by their small business customers, including:

Diverse lending needs

D&B serves businesses of all sizes—from early-stage startups to established enterprises—which means financing needs vary significantly. Providing financing resources and options to cater to both larger firms and small businesses has proven to be difficult. Traditional loan products that suited enterprise clients could not always meet the speed, variety, or accessibility that SMBs required. This left many stuck navigating the lending landscape without suitable options.

Data without action

D&B’s strength has always been delivering trusted data and insights to businesses. However, while they could help SMBs understand their financial standing, it proved difficult to bridge the next critical step: turning that insight into access to capital. Increasingly, customers expected not just analysis, but actionable solutions—especially in an environment where securing funding was more competitive and complex than ever.

Credit limitations

A substantial portion of D&B’s customers struggled to obtain traditional loans due to lower credit scores. This blocker left these businesses without financial support when they needed it most, forcing many to miss critical growth opportunities.

D&B knew it needed a solution that could meet these challenges for their customers at scale.

Lengthy financing process

For many D&B customers, securing financing requires extensive paperwork and time-consuming approval workflows. These delays often hindered businesses from acting quickly on opportunities.

Fragmented lending market

Navigating a sea of lenders and products was overwhelming for D&B customers. They had to research, compare, and apply to multiple sources before finding a suitable solution—a process that cost valuable time and resources.

Solution: Lendio’s Embedded Marketplace

D&B implemented Lendio’s Embedded Marketplace solution directly within the MyD&B portal in Q2 2024.

Integration of industry-leading SMB financing marketplace

Lendio’s financing marketplace was embedded seamlessly into Dun & Bradstreet’s existing My D&B portal. This gives customers direct access to over 75 highly-vetted funders and more than 10 financial product options—all in one place. By bringing capital directly to D&B’s customers' fingertips, D&B was able to reduce the stress of securing financing and become a trusted partner in their customers' financial journeys.

Frictionless, pre-filled applications

D&B utilizes its existing client data to provide pre-filled financing applications for their customers. This significantly reduces the time and effort required to start the funding application process, removing one of the biggest barriers to entry. On average, D&B customers completed their applications in 13 minutes, with 55% of funded borrowers in 2025 completing their application in less than 15 minutes overall.

Diverse financial options

Lendio empowers small businesses with instant offers across a wide range of financing options—helping them access capital quickly and confidently. From term loans and lines of credit to equipment financing and SBA loans, Lendio delivers fast, tailored solutions.

Powered by a trusted network of lenders, Lendio matches each borrower with funding that fits their unique financial needs and business goals.

Results: a transformational leap forward

Since adding Lendio’s Embedded Marketplace to the MyD&B portal, Dun & Bradstreet has radically increased its impact on customers’ financing journeys.

The shift from a referral-based model to a fully embedded experience didn't just streamline the application process—it changed the scale and speed at which D&B could serve small businesses. Customers no longer had to leave the My D&B platform to apply for funding, and the results speak for themselves.

Access: 460% increase in funding opportunities

The embedded model generated 27,119 funding opportunities in Q1 2025, up from 4,843 through the referral path in Q1 2023—a 460% increase.

The leap wasn't just about volume, it was about visibility. With financing options surfaced directly inside the MyD&B portal, Dun & Bradstreet removed a major barrier: the necessity for customers to leave the platform to seek financing. This shift not only kept users engaged, but also dramatically increased the volume of potential borrowers entering the funnel—giving Dun & Bradstreet greater visibility into customer needs, and delivering more value across the financing journey.

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Conversion: 3x more completed applications

The new, pre-filled experience drove over 3x the application completions compared to the prior referral model—helping more customers access the funding they need, faster. 

By integrating a pre-filled application into the My D&B portal, Dun & Bradstreet made it easier for small business customers to follow through.

Without the need to re-enter information or jump to a separate site, users were far more likely to complete the process. As a result, application completions quadrupled compared to the referral model—helping more businesses access the funding they needed, faster.

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Delivery: 338% increase in deals funded

In Q1 2025, D&B customers secured 315 funded deals through the Embedded Marketplace—up from 72 deals in Q1 2023 via the referral model. That’s a 338% increase, delivering over $7.7 million in funding to growing small businesses in a single quarter.

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The surge reflects more than just a spike in lead volume. It's a signal that customers aren't just starting the application process, they're following it through to completion and getting the capital they need. By embedding financing directly into the My D&B portal, Dun & Bradstreet didn't just increase engagement—they dramatically improved conversion to real business outcomes.

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Optionality: 6+ funding options per customer

Each qualified applicant received an average of 6 or more personalized funding options, empowering them to compare rates, terms, and structures. This expanded access gave D&B's small business customers greater control—and better outcomes.

Speed: Offers delivered in under two hours

Dun & Bradstreet customers aren't just finding financing more easily, they're finding it faster. On average, funding options are surfaced in just 1.75 hours, enabling small businesses to make informed decisions without delay.

That speed carries through to funding as well. Depending on the product type, customers are securing capital in a matter of hours or days, with funds from revenue-based financing, line of credit, and term loans arriving in an average of 1-3 days, and funding from SBA 7(a) loans and equipment financing arriving in two weeks or less.

By eliminating application friction and approval process, Dun & Bradstreet empowers customers to act quickly, whether to smooth out cash flow, cover urgent expenses, or capitalize on new opportunities.

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Inclusion: Funding a broader spectrum of small businesses

Adding the Embedded Marketplace to the My D&B portal opened doors to businesses across the credit and experience spectrum. Thanks to the diversity of Lendio's funding partners, even customers with credit scores as low as 506, monthly sales as low as $2,152, and just five months in business successfully secured funding.

At the other end of the range, established firms with decades of operating history, strong credit, and high revenue also found tailored financing solutions within the same embedded experience.

Funded Borrower Profiles:

• Credit scores: 506—849
• Monthly sales: $2,152—$831,161
• Time in business: 5 Months—45 years

From early-stage startups to legacy companies, D&B’s embedded solution delivered on its promise to make access to capital more equitable, personalized, and scalable—helping businesses of all sizes move forward with confidence.

Why it matters

By embedding Lendio, D&B didn’t just improve user experience—they evolved their role as a financial ally to small businesses. With Lendio’s Embedded Marketplace in the MyD&B portal, they are delivering an innovative, inclusive, and efficient funding solution that empowers SMBs to succeed.

Lendio’s Embedded Marketplace is designed to be more than a tool—it’s a strategic resource that enables you to nurture your customers long before they seek funding. By integrating our lending platform into your services, you can provide the support your customers need at the right moment. 

Explore how your platform can deliver smarter capital access with Lendio’s Embedded Marketplace. Book a demo today.

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