EN · United StatesBusiness lending software for Europe
Working capital, term loans and credit lines for SMEs and sole traders, decided on bureau, open-banking and company-register data from Germany to Spain.
- 45
- Europe markets with local setup
- 650+
- local connectors ready to switch on
- 1 view
- of every business, director and guarantor
- 1–2
- weeks from kickoff to the first loan
What you get
Business lending in Europe, configured, not coded.
Multi-party applications
Directors, shareholders and guarantors in one application.
Cash-flow scoring
Bank statement and open-finance parsing feeds the scorecard.
Invoice finance
Advances against receivables, with buyer verification.
Merchant advances
Repayments taken as a share of daily card or wallet sales.
Collateral and covenants
Track pledged assets, valuations and covenant checks.
Credit committee
Configurable approval levels with full decision history.
Reporting and analytics
Exposure, covenants and cash flow
- 25+ ready reportsExposure by industry, covenant breaches, utilisation and delinquency.
- BI and analyticsPush facility and cash-flow data to your BI tools.
- Accounting and taxDrawdowns, fees and tax entries post to local accounting and tax systems, across Europe.
Local rails
Ready in the markets that matter for business lending.
Germany5 connectors- SSCHUFA
- IIDnow
- SSEPA
- SSEPA Instant
- SSEPA Direct Debit
United Kingdom5 connectors- EExperian
- OOnfido
- FFaster Payments
- BBacs
- DDirect Debit
France5 connectors- BBanque de France FICP
- UUbble
- SSEPA
- SSEPA Instant
- SSEPA Direct Debit
Netherlands5 connectors- BBKR
- iiDIN
- SSEPA
- SSEPA Instant
- SSEPA Direct Debit
Poland5 connectors- BBIK
- mmObywatel
- BBLIK
- EExpress Elixir
- DDirect debit
Spain5 connectors- CCIRBE
- OOnfido
- SSEPA
- BBizum
- SSEPA Direct Debit
All Europe markets
Open Europe
Austria
Belgium- France
- Germany
Ireland
Luxembourg
Monaco- Netherlands
Switzerland
Liechtenstein- United Kingdom
Denmark
Estonia
Finland
Iceland
Latvia
Lithuania
Norway
Sweden
Andorra
Cyprus
Greece
Italy
Malta
Portugal
San Marino- Spain
Türkiye
Bulgaria
Croatia
Czechia
Hungary- Poland
Romania
Slovakia
Slovenia
Ukraine
Moldova
Georgia
Albania
Bosnia and Herzegovina
Kosovo
Montenegro
North Macedonia
Serbia
Integrations
Connected out of the box
Connect SEPA and open banking, card issuing, KYC, credit bureaus, messaging and e-signature providers across Europe out of the box.
- Connected out of the box4 ready connectors
- TTink
- TTrueLayer
- VVeriff
- EExperian
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Which Europe markets is it available in?+–
All 45. The most active for business lending are Germany, the United Kingdom, France and the Netherlands.
Can we use local bureaus and wallets?+–
Yes. Local credit bureaus, ID registries, wallets and payment rails come connected; the country pages list them one by one.
How long does a launch take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Can we run several countries on one platform?+–
Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.
Which other products run in Europe?+–
Microfinance lending, BNPL & POS lending, Auto financing, P2P lending, Islamic financing and Bank lending. Each one has its own page for Europe.
Book a demo
Launching business lending in Europe?
We’ll walk you through the platform, show what matters for your products and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing