Configure digital lending with ease
Use our automated, configurable smart lending platform to offer smarter credit decisions in a short time.
Send instant offers to your customers and maintain full control over risk management and appetite.
Create and manage loan products
Effectively manage your lending with smart digital tools geared towards securing your business and improving clients’ lending experience.
- Credit decision engine
- KYC and onboarding
- In-life collections management
- CRM integration
Distribute loan products via custom channels
Extensive plug and play integrations. Customers access your loan product through a custom web portal or SDK loan mobile application.
- Create your app customer interfacing using our UI components or API
- Seamless eligibility verification and onboarding
- iOS and Android
- Embedded finance
Seamless solution to a profitable loan business
Automate and manage your loan application and disbursal process. An automated verification system underwrites loan applications, makes credit decisions, and performs quality checks using clients’ data.
- Automate data collation
- Digital verification of client’s information
- Integrate third-party solutions into your loan system
Manage the purchase, collection, or resell of debts collected. Buy delinquent or charged-off debt at a fraction of the debt's face value, track and manage debt collection or resell all or portions of the debt.
- Full access to debtors’ data
- Automated debt collection system
- Track communication between your employees and debtors
- Flexibility to retain or resell debt collected
Loan repayment schedule
Let your clients and employees track and manage periods of loan repayment. Loan information is broken down into principal, interest, and other elements in the amortization schedule.
- Notify clients ahead of loan repayments
- Schedule interest rates for early and late payments
- Comprehensive loan information analytics
Automate all loan activities after disbursement to the borrower. Automated activities include updating clients' information, calculating interest rates and fees, notifying borrowers of payments due, and collecting payments
- Automated debt collection system
- Reduce servicing costs
- Track payments, account statements, and collaterals
- Notify borrowers of payment due dates
Monitor disbursed loans, repayments and cashflows. Get analytical insights into business and marketing data like clients’ profiles, conversion rate, company turnover, and more
- Loans and repayments status
- Transaction and comprehensive turnover reports
- Get a picture of your loan business performance at a glance
- Financial statements for audits and tax authorities
Key features that make it all possible
We own compliance and have done the heavy lifting of reducing the risk of financial fraud so you can run your business smoothly.
Prevent unauthorized access to tools using cutting-edge security technologies. Distribute access rights to your staff with varying authorizations.
Our suite of flexible components and APIs lets you build out bespoke functionalities, integrate third-party services and brand your product.
SpotBanc robust and multi-tenant architecture allows multiple clients' systems to run concurrently on a central server with 99% system uptime.
It doesn’t stop here. There’s a lot more inside
Our Plug and Play Ecosystem
Our industry-leading partners are pre-integrated into SpotBanc to provide solutions across
Banking-as-a-Service, credit, loan management, KYC and more.
Ready To Launch?
Bring your product to life in days
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The easiest way to launch your financial product
Deliver high-end asset management service that makes you the go-to wealth manager.
Innovate, orchestrate and launch to market your digital banking service in days.
Virtual Account Management
Issue and manage pooled virtual accounts and in-house banking via a single touchpoint.