Want to grow with your customers?
Financing is a key growth factor for every SME. We enable over 40 platforms to offer loans, providing SME lending infrastructure and capital for fully digital business loans. Nothing provides higher customer retention, engagement and satisfaction than financing. The best part? We take care of all the tricky parts.
%201.svg)
Streamline applications with an easy application flow
Your customers deserve the fastest financing powered by a fully digital and lean application process that reduces the amount of touchpoints to a minimum. The loan application can be completed in 5 minutes, and is available 24/7.
Fast & fully digital loan application process
Single sign-on experience
Financing ranges between €1K and €5M
Balancing financing needs and creditworthiness - offering truly fair pricing
Enable simple and dynamic loan renewals
Transform one-time transactions into a powerful growth engine with seamless, proactive loan renewals. Our intelligent renewal system turns successful first loans into a continuous value cycle for your platform and merchants.
Offer new loans proactively and prequalified
Enable even faster, streamlined application process for your customers
Create sustainable and continuous value ad
Deepen the relationship and grow with your customers
Serve your customers when and where they need it
Unlock unprecedented growth by leveraging real-time platform insights to deliver precisely timed financial solutions. Anticipate and address your customers' liquidity needs at the exact moment of opportunity.
Discover hidden revenue potential
Boost customer growth instantly and increase your GMV
Transform transaction data into value for your customer
Unlock smarter lending with AI-powered risk assessment
Banxware goes beyond traditional credit scoring with our AI-powered risk models. We harness the power of comprehensive data insights to make smarter, faster lending decisions that unlock growth for your platform.
Bank account-based quantitative analysis and 360 degree scoring
Cash flow-based underwriting tools for data-driven decisions
Leverage sales and transaction data through APIs for precise risk assessment
Centralize and optimize lending portfolios
We transform complex lending operations into a streamlined, intuitive experience. Our user-friendly framework and visualisation provides comprehensive insights and control, making portfolio management accessible to both technical and non-technical teams.
No-code portfolio intelligence
Real-time performance monitoring through Open Banking and platform APIs
Centralize lending operations
Choose your ideal partnership
Whether you prefer a simple referral partnership to offer fast business financing with commission-based revenue, or want to fully integrate our white-labeled lending solution into your platform, choose the model that delivers the most value for your business and your customers.
We do the hard work, you enjoy the benefits
Seamless platform integration
Everything works smoothly via an integrated API.
Financing facilities
Banxware ensures that scalable funding structures for all lending programs are in place.
Regulatory compliance
Banxware covers all regulatory requirements to run all lending programs end-to-end.
White-label service
You can offer financing under your brand without any hassle.
FAQs
We offer a seamless integration where users can apply for loans directly from your platform. The entire lending process, from application to approval and repayment, is handled through our system. All you need to do is integrate our lending API into your platform, and we manage the rest, including credit assessments, loan disbursement, and collections.
Offering embedded lending provides your users with quick, easy access to loans, improving customer satisfaction and retention. It can also increase conversion rates and create a new revenue stream for your platform by offering financial products that are tailored to your customers’ needs.
Several reputable law firms have confirmed that no license for embedded lending programs are needed by the platform offering financing via Banxware to their business customers. Banxware provides the full-stack solution, including all necessary licenses and regulatory compliance. You can offer lending services on your platform without the need to handle the complexities of licensing or regulation.
Banxware handles the entire risk management process for you, including credit assessments and loan defaults, either ourselves or through our partners. As a platform partner, you won’t bear the financial risk - our team of experts ensures that proper credit evaluation and fraud prevention measures are in place. This means you can offer loans with confidence, knowing that risk management is taken care of.