SME Lending Icon
SME Lending

Your Customer. Your Branding

Our standardized yet flexible business lending APIs integrate seamlessly into your mobile and web applications, allowing for a uninterrupted user-experience in your look and feel.

We enable your use case

Banks icon

Banks

Our white-label solution is ready to be implemented out of the box. You can also choose to include our digital business identification and credit risk approval processes. Our digital securitization process allows you to take the loans onto your books.

Marketplaces & More icon

Marketplaces & More

Whether you wish to speed up the cashflows on your online market place with SME financing, or you want to offer factoring services to your business clients, our Business Lending APIs adapt to your business context.

Your Benefits

Flexibility

Flexibility

The initial underwriting and scoring process can be done by yourself or by us. Our risk sharing model allows for a flexible participation in the interest revenue based on your risk appetite.

Adaptive Pricing

Adaptive Pricing

Our risk based pricing adjusts to meet your changing economic environment. Your clients are also free to choose different installments dates.

Compliance

Compliance

As a licensed bank we comply with all regulatory duties so that you can focus on your client needs.

Fast Time to Market

Fast Time to Market

With our standardized business lending APIs you can go live in as fast as 4-8 weeks.

Our Features

  • In the first step of the application, data on the business, the legal representative and beneficiary owner is collected, upon which the API returns unique IDs.

    Example API Endpoints

    POST /businesses
    POST /persons
    POST /businesses/:business_id/legal_representatives
    POST /businesses/:business_id/beneficial_ownders
    
  • In the next step the volume, duration and interest rate are determined. As our partner you can configure the ranges for these values.

    Example API Endpoints

    POST /repayment_plans
    
  • As soon as the repayment plan and business details are determined, the SME loan application is created with one API call. The application can be retrieved to show it’ status.

    Example API Endpoints

    POST /businesses/:business_id/loan_applications
    
  • Our integrated Business Know Your Customer (KYC) process can be carried out fully digitally via video identification on desktop, tablet and mobile, saving your customers’ time.

    Example API Endpoints

    POST /persons/:person_id/identifications
    
  • After successful identification and scoring, the loan is ready to be authorized and paid out to your customer.

    Example API Endpoints

    PUT /businesses/:business_id/loan_applications/:/loan_application_id/authorization

Let’s start offering business loans together

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