Small and medium enterprises are the backbone of our economy driving innovation jobs and growth yet many struggle to access the credit they need to thrive.
In 2023, 24 percent of SMEs reported serious difficulties securing financing according to the European Investment Fund.
Many are rejected before their applications reach a decision maker due to rigid eligibility criteria and limited data. Lengthy approval cycles stall opportunities causing businesses to miss time sensitive contracts investments or seasonal demands. Manual bottlenecks and paper-based processes create errors and delays while outdated technology and high servicing costs make legacy platforms inflexible and hard to scale.
Regulatory requirements add complexity and slow delivery without the right systems in place. These obstacles are not just operational challenges they are barriers to growth.
Reimagining SME lending as faster smarter and fairer gives businesses the support they need to grow succeed and drive the economy forward.
SMEs are the backbone of the economy.
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...
Your lending platform should reflect your strategy, not force you into someone else’s roadmap. We design solutions that adapt to your business model, your brand, and your growth ambitions delivering the flexibility and speed your customers expect.
- Smart decisions with AI-powered credit scoring and pre-approvals — Use advanced analytics and alternative data to assess risk faster, improve accuracy, and resolve higher approval rates without compromising compliance.
- Modular and scalable — Integrate seamlessly with your existing systems, whether legacy or modern. Add new capabilities at your own pace, without vendor lock-in.
- Customer-centric journeys — Deliver a consistent experience across every touchpoint, from mobile to branch, fully branded and integrated with your CRM or process management tools.
- Secure and compliant by design — Embed AI with explainability, privacy, and trust at its core, ensuring every decision meets the highest regulatory standards.
We accelerate time-to-money and time-to-value.
Make data work for you ...
Your data is more than records. It is an untapped growth engine, capable of revealing opportunities, anticipating client needs, and unlocking new revenue streams.
- Model impact with flexible simulations — Test how changes in credit rules, eligibility criteria, or portfolio values affect SME demand and market response. This clarity helps you anticipate outcomes and maximise the revenue potential of your portfolio.
- Engage new clients proactively — Predictive insights allow you to anticipate demand and reach prospects before your competitors do.
- Enable just-in-time decisioning — Risk-informed pre-approvals empower your sales teams to respond quickly and with confidence.
- Deliver real-time leads to your commercial teams — CRM, web, and mobile channels become active engines of opportunity, turning insights into measurable action.
With the right approach, data stops being a passive asset and becomes a catalyst for growth, speed, and smarter lending.
Modern lending requires more than incremental upgrades. It needs a platform designed for agility, intelligence, and scale built to serve today’s SMEs while preparing for tomorrow’s opportunities.
- Real-time risk decision — Data-driven automation delivers instant, consistent credit assessments, reducing bias and accelerating approvals.
- Embedded finance — Extend your services directly into partner channels, meeting clients where they already do business.
- Simulation Engines — Model credit scenarios in advance, optimise decision rules, and test market outcomes before rollout.
- Automated Contracting — Streamline the entire loan lifecycle, from approval through to signing, with digital workflows that eliminate delays.
- Unified Dashboards — Gain a 360º view of SME clients and prospects, equipping sales teams with actionable insights that drive conversions.
- Modular Architecture — Deploy innovation incrementally while maintaining the stability of your core systems.
With this approach, your lending platform evolves into a growth engine which is faster, smarter, and fully aligned with the needs of modern SMEs.
