Fintech

Infrastructure for Digital Lending

We build modular and scalable infrastructure designed to streamline each stage of the digital loan process.

Our solution covers everything from application to loan granting. We focus on eliminating friction, reducing costs, and accelerating approvals. This enables companies to offer digital loans more efficiently, securely, and profitably.

With a good strategy, you would avoid…

High abandonment rates

We reduce friction with an automated infrastructure that accelerates approvals and increases conversions.

Deficient risk assessment

We integrate credit bureaus and advanced scoring to balance risks and profitability.

Delay in fund disbursement

We ensure immediate disbursement through efficient integrations.

High costs and defaulting

We automate collections with smart reminders and risk segmentation, optimizing recovery.

Exposure to fraud and regulatory failures

Protect your business with KYC/KYB validations, risk analysis, and automated AML monitoring.

Lack of scalability and barriers to geographic expansion

facilitate your fintech’s expansion with scalable infrastructure, adaptable to multiple markets.

Digital Lending Use Cases

Fintech from Credit Application to Consumption, with Approval in Seconds.

We help personal lending fintechs implement an automatic origination system. Users can apply for and get loans in less than 5 minutes. Thanks to an advanced decision engine, a large number of applications are approved without manual intervention.

Digital Loans for SMBs with Income Verification

We develop financing platforms for SMBs that verify income and financial stability in real time. With open finance and banking data integration, we help reduce default risks and accelerate the approval of productive loans.

Microcredits with instant fund disbursement

We deliver microcredit solutions for neobanks, allowing their customers to access small amounts with instant disbursement. Funds arrive in their bank or digital wallet accounts, enhancing retention and engagement.

Automatic credit platform integrated into a marketplace

We implement internal financing modules for hard-goods marketplaces. With these solutions, customers can access installment loans without leaving the platform.

Lending platform with customized risk models

We develop tools that enable the configuration of scoring strategies tailored to different types of users. These solutions help expand the business reach without compromising the delinquency rate, optimizing the risk assessment.

We are specialists in…

Developing comprehensive platforms for loan origination and management.

Provider integration for income verification when needed.

Real-time fund disbursement through Modern Treasury, Stripe, or local banks.

Complete management of the loan lifecycle with real-time reports.

Implementing decision engines based on credit bureaus data (Equifax, Experian, Nosis).

Automating contracts and electronic signatures with tools like Docutech, Notarize, and DocuSign.

Automation of collections and recurring payment flows through direct debits.

Portfolio segmentation, recovery strategies, and management of default and complex cases.

How can digital lending infrastructure boost your business?

Having a robust, automated infrastructure is essential for offering an agile, secure, and profitable experience. Failing to optimize this process can increase operational costs and delinquency rates, and reduce sector competitiveness.

The impact has been immense. We wouldn’t be able to be where we are without Crombie.

—

Thomas Dungan IV

Co-Founder and CEO at Skylight Lending

Innovation backed by top-tier certifications

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