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Lending & Credit Decisioning

Lending infrastructure vendors provide origination, decisioning, servicing and collections for consumer, SMB and embedded credit products. Compare on product coverage (installment, BNPL, revolving, working capital), decisioning flexibility, integrations and time-to-launch.

Fintech lenders
Marketplaces
Vertical SaaS
Retailers
Neobanks

Buyer use cases

The concrete products and workflows this category unlocks.

Launch an embedded BNPL product
Offer split-pay or installment credit at checkout with decisioning, disbursement and servicing bundled.
Underwrite SMB working capital
Combine open banking, accounting and bureau data to score SMBs and originate flexible credit lines.
Service consumer loans end-to-end
Handle amortization schedules, repayments, hardship flows, statements and collections.
Build a credit card program on modern rails
Combine a card issuer with a decisioning and ledger engine to launch a revolving credit product.

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