Digital Lending Solutions

Simplify, save, and expand with digital lending solutions

With our digital credit solutions, you're not just streamlining processes—you're unlocking a world of benefits. Cut costs with automation, tap into new customer bases, and get ahead of the competition.

By offering a wider range of services to each customer, you're not just boosting efficiency; you're opening doors to new opportunities. It's all about making operations smoother and strengthening customer connections.

Designing for clients like UBS, Spendesk, or Zeller, we know how to make your product stand out.

Faster Processing Times.

Digitize your credit processes where borrowers submit info online for rapid decisions, streamlining your operations.

Improved accuracy.

Verify borrower data with smart algorithms, reducing errors and fraud, ensuring trustworthy credit decisions.

Greater accessibility.

Operate 24/7, freeing borrowers from location constraints and and banking hour restrictions.

Enhanced transparency.

Offer borrowers clear visibility into the factors considered by lenders when evaluating creditworthiness.

Digitising credit inquiries not only saves time and money, but also empowers borrowers to take control of their financial future with greater ease and convenience.

Sebastian Grzelak
Delivery Lead at Netguru

Use battled-tested practices to craft top-notch digital lending solution

A white-label credit inquiry process for one of leading platforms in the DACH region. For one of our clients we've built a fully functional white-label MVP onboard partners for loans and factoring.

We provided a top-notch UX, mobile friendly platform
The solution was compatible with the hosting provider Heroku.
The solution must be mobile-friendly.
Requirement for seamless integration with external services.
Need to increase process efficiency through the combination of an easy-to-fill inquiry process and contract creation.

Results:

80% - Inquiry Process Completion Rate
90% - Mobile Functionality and User Experience Score
5 days - Time to Onboard a New Partner
70% - Process Efficiency Increase Rate
6 months - MVP Delivery Time

Ensure comprehensive digital credit solutions services

Whether you need decision-making platforms or robust risk management strategies, we provide end-to-end solutions tailored to your specific needs. Delegate your digital credit challenges to us and receive expert support at every stage of development, from mapping interactions to implementation and beyond. With our proven track record and commitment to excellence, you can trust us to optimize your credit processes and drive your banking operations forward.

Digital lending platforms.

Comprehensive solutions covering loan origination, underwriting, decision-making, and management, streamlining the entire lending process.

Cloud-based loan management.

Flexible, scalable software facilitating efficient loan servicing and real-time data analysis, accessible from anywhere.

Credit scoring models.

Implementation of innovative credit assessment methods using machine learning and advanced analytics, enhancing accuracy in credit decisions.

Risk management strategies.

Develop comprehensive risk management strategies and frameworks, including risk assessment tools and compliance solutions, to mitigate potential risks.

How can banks ensure the security and integrity of digital lending platforms?

Banks can secure digital lending platforms by using encryption, multi-factor authentication, and continuous surveillance to detect any unusual behavior. They can also implement detailed risk management and adhere to regulations to minimize risks, protect data privacy, and ensure compliance.

What is the cost of setting up digital lending solutions?

The cost to set up digital lending solutions depends on the project's size and complexity. It includes costs for software development, infrastructure, staffing, and maintenance. A typical team might include a Product Designer, two Senior Backend Engineers, two Senior Frontend Engineers, a Quality Assurance specialist, and a Project Manager, with costs around 200K EUR.

How to start implementing digital lending solutions for my bank or financial institution?

To start, assess your current lending processes to find digitization or optimization opportunities. Then, create a strategic plan detailing milestones, required resources, and a timeline. Work with technology partners or your internal team to build digital lending platforms suited to your needs. Ensure thorough testing and training for smooth integration and adoption within your organization.

Let’s talk business

Work with trusted partner on digital lending software

Unlock the potential of digital loan solutions. Seamlessly integrate emerging technologies, uncover fresh revenue streams, and deliver in-demand financial products. Whether it's developing sophisticated banking apps, diversifying payment options, or streamlining loan application processes, we've got you covered.

Netguru to reimagine business banking

At Netguru, we understand the unique demands of the financial sector, boasting an extensive portfolio of esteemed clients including UBS, Zeller, and Spendesk. With a proven track record in crafting digital lending solutions for numerous financial institutions, we stand ready to elevate your banking experience. With over 600 satisfied clients, we've earned a reputation for excellence in design and development.

We actively foster industry innovation through exclusive disruption forums. Collaborating with industry leaders like Solaris, Careem, and Cariad, these forums provide invaluable insights and networking opportunities.

Rely on our proven track record of excellence, rated 4.9/5 on Clutch and boasting an NPS score of 73, above the industry average. Trust our proactive communication and transparent collaboration to drive your success, delivering maximum value for you, your users, and your stakeholders

Woman engineer working on blueprint in office with colleagues on background

15+

Years on the Market

400+

People on Board

2500+

Projects Delivered

Our Current NPS Score

Digital lending to maximize the results

Many successful banks have recognized the significance of viewing the entire customer journey holistically, allowing them to eliminate unnecessary handovers and substantially enhance operational efficiency. By focusing on the complete journey from loan origination to servicing, banks can achieve transformative improvements in performance and approach

Credit report. Get a quick, reliable overview of your creditworthiness and future default risk
Financial ratio analysis. Collect automated, real-time financial statements and BWAs
KYC service. Ensure regulatory compliance by documenting business activities
Online identification. Ensure fast and AMLA-compliant identification
Electronic signature. Craft delightful interfaces aligned with established insights
Marketplace connection. Implement designs into working products

Netguru has been the best agency we've worked with so far. The team is able to design new skills, features, and interactions within our model, with a great focus on speed to market.

Adi Pavlovic
Director of Innovation, Keller Williams
I’ve had a long-lasting partnership with Netguru. Happy that it works so well and hopeful that we can cooperate on more projects in the future. Netguru always tries to make things possible.

Susanne Wechsler
Director B2B at Babbel
It was great working with Netguru. I'm confident it was an excellent decision to get the team involved in redesigning the Swap app. It's an excellent outcome for us, as we can do it faster in-house.

Bruno Ramos Berho
CEO, Swap

Curious whether Netguru is the right fit for your project?

We understand that every project is different and requires an individual approach. Define your needs, so we can get to know you better. Fill out the form and we'll see how we can help you.