Every lending product, from one core
Launch consumer and SME lending, revolving credit, BNPL and embedded finance, all from one shared set of features on a unified ledger engine. Your product teams configure interest, repayment schedules, limits and fees through no-code settings, so you move from idea to live lending product in days. This is core banking software your product teams control.
Test ten product iterations in a day. Turn your core into a safe testing ground. Model, launch and refine lending products quickly to prove market fit and protect margin.
Any form of lending
Build term loans, revolving credit and credit cards, BNPL and embedded point-of-sale finance, secured or unsecured. Disburse to the borrower or direct to a merchant, support multiple drawdowns and redraws, and run several loans, each on its own ledger, inside a single customer account.
Price and repay your way
Configure interest as fixed, variable or tracker, with the fees and limits each product needs. Set repayment schedules and instalments, allow overpayments, early settlement and restructuring, and schedule rate changes to take effect on a future date, versioned so every change is fast and auditable.
Secure, control and connect
Take collateral, including a customer’s own savings or holdings held elsewhere in their account, and apply cooling-off periods and the controls responsible lending requires. Connect your own credit decisioning, affordability and risk tools through our open APIs, so origination fits your policy and your market.
Adapt and combine
Lend at the moment a customer needs it. When someone reaches checkout or hits a short-term gap, offer credit inside the journey they are already in, a BNPL plan or a short-term facility, disbursed instantly and then managed from the same account as the rest of their money. One account, combining lending and transactional features, so credit meets the need at the point it arises. Because features are shared, not siloed, you can build propositions like this and reshape them as demand shifts.