Sage and Lendio Bring Embedded Financing to the Point of Business Formation

One of the quiet truths in small business lending is that timing matters as much as pricing. Access to capital is often most valuable not months after a business is formed, but at the very moment paperwork is signed, entities are created, and founders begin spending money to operate.

That’s the context behind a new partnership between Sage and Lendio, which will embed small business financing options directly into Sage’s Wyoming LLC attorney platform.

Rather than sending new business owners off to search for funding on their own, the partnership places financing alongside legal formation, where it naturally belongs.

Financing at the Moment of Incorporation

Under the partnership, business owners forming an LLC through Sage’s platform will be able to access Lendio’s financing marketplace directly within the experience. That includes exposure to multiple lending options without needing to leave the platform or restart the application process elsewhere.

This approach reflects a growing belief in fintech: capital should appear where decisions are being made, not after the fact. For a newly formed business, early expenses—legal fees, licenses, equipment, marketing, software, initial inventory—often arrive before revenue does. Embedding financing at this stage shortens the gap between need and access.

Why Wyoming Matters in This Equation

Wyoming has become a popular jurisdiction for LLC formation due to its business-friendly laws, privacy protections, and streamlined administrative requirements. Many entrepreneurs, especially those forming holding companies, online businesses, or asset-owning entities, start there.

By embedding financing into a Wyoming-focused formation platform, Sage and Lendio are targeting founders who are often:

• Early-stage but intentional about structure

• Operating digitally or across state lines

• Looking for speed and simplicity

That makes embedded lending a natural fit. These founders are already making operational decisions; introducing capital options at that moment reduces friction.

Lendio’s Role: Distribution, Not Just Origination

For Lendio, this partnership is less about creating a new loan product and more about a distribution strategy.

Instead of competing for borrower attention through ads or outbound outreach, Lendio integrates directly into a workflow founders are already using. That allows financing to be contextual, presented as an option, not a pitch.

This model also reflects how lending marketplaces are evolving. Rather than acting solely as destinations, they’re increasingly becoming infrastructure layers that plug into software, legal, accounting, and payments platforms.

Embedded Lending Keeps Expanding Its Footprint

Zooming out, this partnership fits squarely into a broader trend across business finance: lending is becoming embedded wherever businesses operate.

Over the past several years, financing has moved into:

• Accounting and bookkeeping software

• Payment processors and POS systems

• E-commerce platforms and marketplaces

• Payroll and HR tools

Legal and entity formation platforms are a logical next step. Formation is one of the first structured interactions a business has with professional services, and often one of the first points where capital is required.

Rather than treating financing as a separate journey, embedded models collapse multiple steps into one experience.

A Subtle but Important Shift

What makes this partnership notable isn’t scale or loan volume, at least not yet. It’s the placement of financing within the business lifecycle.

By meeting entrepreneurs at the moment they formalize their business, Sage and Lendio are aligning capital with intent. That alignment tends to produce better outcomes: more informed borrowing, earlier planning, and fewer last-minute scrambles for liquidity.