Slope

Active

The B2B Payments Platform

Summer 2021Founded 202116 peopleSan Francisco, CA, USA

www.slopepay.com ↗LinkedIn ↗X ↗See on the Idea Map Fintech momentum

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Accept and reconcile B2B payments seamlessly.

From their website

as of Jun 7, 2026www.slopepay.com ↗

API/InfraSubscription

Slope provides embedded credit infrastructure for business lending, enabling SMBs to offer working capital and access predictive cash-flow based lending decisions. It combines transaction data enrichment, a cash-flow score, and API-first integration to support lenders and partners in underwriting SMBs.

Slope offers an embedded line of credit and credit decisioning platform for business customers. It ingests raw bank transaction data via API, file upload, or ERP integration, enriches transactions with merchant/category/location data, and then analyzes cash-flow patterns to generate a comprehensive financial profile and a cash-flow score. The system provides credit recommendations, suggested limits, and risk assessments, with real-time risk signals and continuous monitoring. It supports plug-and-play API integrations (plus no-code/low-code options), enabling lenders to embed capital offerings and automate underwriting for SMBs.

Who it’s for: Lenders and financial institutions or fintechs seeking to offer SMB-focused credit products and embedded financing to their business customers.

Features

API-first integration for data ingestion
Transaction enrichment with merchant, category, and location
SlopeScore cash-flow risk scoring
Credit decisioning with limits and risk assessments
Real-time risk signals and continuous monitoring
No-code/low-code integration options
Plug-and-play integration with CSV/SFTP options

Hiring/traction mentions (case studies and bank partnership) and product announcements; actively marketing embedded capital and API-first integration.

Founders · 2

Lawrence Lin MurataFounder

Stanford

Lawrence Lin Murata, co-founder and CEO. Lawrence's family spent 3 decades in wholesale, which inspired us to build Slope. Previously, Lawrence founded Newton Technologies (acq by Nauto), which used AI to analyze smartphone data and help people drive better. Later, he led AI Platforms & Data Science at Nauto, a 200-people autonomous driving company. Lawrence is a Stanford grad, where he led and co-founded CS+Social Good, a tech for impact organization.

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Alice DengFounder

Dropbox

Berkeley

Co-founder & CPO of Slope. Previously, Alice co-founded Glisten AI (YC W20), providing e-commerce product categorization using CV and NLP. Prior to Glisten, she was a product manager at Dropbox. Alice is a UC Berkeley grad, where she led Blueprint, a tech for impact organization and was named under the Forbes 30 Under 30 list in 2023.

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