Business lending software for North America
Working capital, term loans and lines of credit for small businesses, decided on bureau and bank-transaction data, with ACH and EFT payouts.
- 2
- North America markets with local setup
- 40+
- 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 North America, 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 North America.
Local rails
Ready in the markets that matter for business lending.
United States5 connectors- EExperian
- PPlaid IDV
- AACH
- RRTP
- AACH debit
Canada5 connectors- EEquifax Canada
- IInterac Verification
- IInterac e-Transfer
- EEFT
- PPre-authorized debit
All North America markets
Open North AmericaIntegrations
Connected out of the box
Connect ACH and card rails, bank data, KYC, credit bureaus, messaging and e-signature providers in the US and Canada out of the box.
- Connected out of the box10 ready connectors
- PPLAID
- DDwolla
- MMarqeta
- MMX
- FFinicity
- jjumio.
- SSocure
- EEquifax
- TTransUnion
- EExperian
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Which North America markets is it available in?+–
All 2: United States and Canada and more. Each country has its own page with the local bureaus, ID checks and payment rails.
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 North America?+–
Microfinance lending, BNPL & POS lending, Auto financing, P2P lending, Islamic financing and Bank lending. Each one has its own page for North America.
Book a demo
Launching business lending in North America?
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