Rethinking Lending for Modern Business
Your customers expect more. We help you deliver it.
SMEs are the backbone of the economy. Yet too often they hit rock solid walls:
- Low pre-approval rates
- Long time-to-cash
- Manual bottlenecks and paper based processes
- Outdated tech and high servicing costs
- Regulatory overheads
According to the European Investment Fund, 24% of SMEs reported serious difficulties accessing financing in 2023.
SMEs represent:
- "... 99% of all businesses in the EU..."
- "... over 2/3 of private sector employment..."
- "...more than half of the region’s GDP ..."
The future is now...
Lending process built around your clients
Not around someone else's roadmap
- Smart Decisions with AI-powered credit scoring and pre-approvals
- Modular & Scalable, plugged into your legacy or modern stack. No vendor lock-in
- Customer-Centric Journeys with your identity and brand. Omnichannel touchpoints. CRM/BPM ready
- Secure and Compliant by Design embedded AI with explainability, privacy, and trust built-in
We accelerate time-to-money and time-to-value.
From Existing Data to New Revenue
Make data work for you
- Find revenue inside your own portfolio with flexible simulations
- Proactively meet new clients before your competitors do
- Offer just-in-time decision for a more effective commercial action (risk pre-approvals)
- Provide real-time leads in your commercial team (CRM, web, mobile)
Your Lending Platform, Reinvented
- Real-Time Risk decision: Data centric automated risk decision
- Embedded finance: Enabling your partner's channels
- Simulation Engines: Model credit scenarios in advance, optimise rules, and test outcomes before rollout
- Automated Contracting: Streamline the entire loan lifecycle from approval to signing
- Unified Dashboards: Deliver a 360º view of SME clients and leads accelerating sales
- Modular Architecture: Deploy change incrementally while maintaining core stability
We bring together cross-domain tech expertise and intelligent accelerators to craft solutions that fit your business. From modernising legacy systems to deploying AI-powered tools, our adaptable capabilities are designed to tackle your most complex challenges with speed and precision. Whether you’re scaling innovation or solving a critical issue today, we deliver faster paths to impact, tailored to your needs & goals.
Smart Capabilities, Built Around Your Needs
Our Success Stories
SME Lending Platform
Enhancing a Leading Tier 1 Financial Institution’s SME Business
- Increase number of Approved Loans - up to 80%
- Optimized Time 2 Cash - 80% less time for credit decision
- Optimized time 2 cash - 60% less time
- Outstanding customer experience - above 4 (1-5) with customer centric solutions
What success looks like
- 8.9 out of 10 client rating
- 98% CSAT customer satisfied
- 89 NPS industry avg is 45
- 420+ clients served
- 7 Offices PT, US, UK and DE
Luís
Figueiredo
Luís has over 25 years’ experience solving business-critical challenges – initially in the Telecoms industry and now in Banking and Financial Services. He began his career as a software developer and progressed into Key Account Management on the Business Development side. He is passionate about finding affordable and sustainable solutions for businesses, as well as solving day-to-day problems. In his free time, Luís enjoys being in nature and dedicates himself to sustainable farming and Agrotech.
José
Cerqueira
José has over 25 years’ experience in business consultancy, software development and architecture design, putting him in the perfect position to empower digital transformation, modernise core banking architectures and create bespoke data solutions. When he’s not working hard to build the future of finance, José can be found down by the sea, capturing the moment with his camera.
