SME lending

Access to cash is key when running a business. However, if a business needs a loan, finding ways to borrow that won’t cripple them with fees and charges, or take weeks and months to secure, can be critical to both survival and success.

At the same time, building the ability to put those loans in the hands of the businesses that need to use them to buy materials or services in a secure and flexible way can be very challenging.

With our innovative modern card issuing platform, you can create a lending service with rapid decision-making, manage risks and provide physical or virtual cards to the businesses that need money.

Virtual cards allow prospective lenders to fund borrowers instantly on approval and provide them with a physical card to keep them top of wallet, and top of mind for future spend and renewals. Just-in-Time Funding™ means that the funds are only provided at the point-of-sale, reducing risks and minimising tied-up capital.

Plus, rich transaction data helps lenders gain key insights into customer spending patterns, leaving them better equipped to make important lending decisions and drive targeted marketing and loyalty strategies, while also reducing exposure to bad debt.