Revolutionize Your Lending Experience with EmbedIT Lending Platform
EmbedIT Lending Platform is a powerful digital solution designed to streamline and scale your lending operations. Whether you’re a bank, fintech, or consumer lender, our platform simplifies the entire loan lifecycle—from onboarding to repayment. With EmbedIT Lending Platform, you can offer faster, more efficient services, enhance customer satisfaction, and keep pace with an evolving market.
Key Features
Fully Digital Onboarding & Paperless Workflows
Accelerate customer onboarding with an intuitive, paperless experience. Reduce administrative overhead and speed up approvals.
Automated Loan Approvals
Make instant, data-driven decisions using automation. The platform supports both fully automated and manual workflows, giving you full control.
Advanced Underwriting & Collections
Leverage world-class risk management with powerful underwriting tools and streamlined collections processes.
Flexible Product Catalogue
Launch new lending products in minutes—be it personal loans, BNPL, or SME financing. EmbedIT Lending Platform gives you the flexibility to meet evolving business needs.
Seamless Integration with Cards & Payments Networks
Deliver instant loans by integrating smoothly with payment systems, enhancing customer convenience.
Microservice-Based Architecture
Built on Kubernetes, the platform offers scalability and flexibility, easily handling increased transaction volumes during peak periods.
No-Code/Low-Code Workflow Engine
Empower business users to build, modify, and test loan workflows without developer support—making workflow optimization faster and more agile.
Why EmbedIT Lending Platform?
EmbedIT Lending Platform enables rapid digital transformation in lending. We understand that speed and flexibility are essential in today’s competitive environment. That’s why our platform helps you:
Automate and Optimize – Increase efficiency by automating complex processes, reducing errors, and accelerating approvals.
Enhance Customer Experience – Offer a seamless, digital-first journey—whether customers engage via mobile apps, websites, or in-branch.
Scale with Confidence – Handle surges in demand effortlessly, from seasonal peaks to rapid growth, without additional hardware.
Future-Proof Your Business – Adapt quickly to market shifts and customer expectations, keeping your lending products relevant and competitive.
Transform Your Lending Portfolio
With EmbedIT Lending Platform, you can launch a broad range of lending products tailored to various customer segments:
/ Consumer Loans: Offer personal finance solutions, cash advances, and day-to-day credit with real-time decisioning.
/ Buy Now, Pay Later (BNPL): Integrate financing at the point of sale (POS) or in e-commerce, with flexible payment plans.
/ SME & Micro Lending: Support gig workers and small businesses with fast application processing, instant disbursement, and flexible repayments.
/ Credit Cards & Revolving Credit: Instantly issue both virtual and physical credit products with customizable limits and transaction rules.
Built for Speed. Engineered for Scale.
Our microservices-based architecture allows fast deployment of new features with zero downtime. EmbedIT Lending Platform handles everything from high transaction volumes to regional lending peaks—like Diwali in India or the holiday season in Southeast Asia.
/ Instant Elasticity: Absorb 10x traffic surges without investing in new hardware.
/ Business-Led Configuration: Use our drag-and-drop BPMN designer to empower your team to configure and improve workflows independently.
/ Enterprise-Grade Security: Ensure compliance and data protection at every stage —from KYC/AML to encrypted storage and audit logs.
End-to-End Lending Solution
EmbedIT Lending Platform covers the entire lending journey—from origination to servicing—while seamlessly integrating with third-party services like CRMs and payment gateways.
/ Loan Origination System (LOS): Manage underwriting, scoring, approvals, and disbursement in one unified flow.
/ Loan Management System (LMS): Simplify servicing, collections, and renewals with smart tracking tools.
/ Real-Time Decisioning: Use AI-powered risk models to automate credit decisions and assess performance in real time.
/ Customer Engagement: Drive personalized support with omnichannel communication and integrated CRM tools.
/ Compliance & Security: Meet global regulatory requirements with secure APIs, audit trails, and end-to-end encryption.
The Results Speak for Themselves
What our clients have to say
"Our central platform facilitates all core functions of the retail lending operations across all markets. It supports the controlled and safe growth of the business while accommodating local market and customer behaviour specifics.
The robustness and adaptability of the platform has been demonstrated through market cycles, regulatory changes as well as adverse macro events. It allows for fast changes in product features and process set up so the teams can flexibly adjust to always serve customers best and achieve growth targets."
Radek Pluhař
CEO, Home Credit Group
Ready to Transform Your Lending Experience?
EmbedIT Lending Platform helps you launch smarter, faster, and more scalable lending products. Let’s talk about how we can support your digital transformation and help you stay ahead of the curve.