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Retail & SME Lending

Now, more than ever, speed, connectivity, and control take centre stage. Our lending solution is designed to live up to these growing expectations of lenders.

 

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Functionality Highlights

Our lending solution not only supports a diverse range of loan types, but also offers extensive product configurability. This means that different sub-loan types can be seamlessly created to address a lending requirement.
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Retail lending

Our retail lending clients have launched a diverse set of loan types that includes term loans, working capital loans, BNPL (Buy Now, Pay Later) propositions, sustainability loans, car loans, and construction loans. The extensive configuration options in our platform allow you to create and manage a diverse set of lending propositions to serve your niche segments.

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SME lending

SMEs are the backbone of every economy, but access to credit remains a critical focus area. We empower SME lenders to enhance their services by incorporating a suite of financial solutions. Our SME lending propositions cover, amongst others, unsecured term loans, revolving credit, merchant cash advance (MCA), and revenue-based finance (RBF), providing small and medium-sized enterprises with flexible and accessible financing options.

The core principles of our solutions.

Our solutions have been developed based on 14 years of experience with banking technology and industry standards, with a consistent emphasis on building robust technology, ensuring that we deliver the best user experience to our clients.
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Rest APIs

fiveºdegrees offers configurability through both API integration and the user interface. Furthermore, users have the flexibility to initiate task execution, whether through API commands or the user interface.

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Loan Management

Our lending engine streamlines the entire loan lifecycle, from creation and disbursement to term adjustments, payment processing, cost management, and write-offs. Experience efficiency in every aspect of your lending operations.

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Product Configuration

The loan product builder simplifies and streamlines the creation of highly customizable products, while retaining configurability. Utilizing the configuration portal, you can effortlessly create and manage loan templates.

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Event-driven Architecture

Our platform proactively generates events to which clients can subscribe and define actions within the platform. These events are seamlessly channelled through the events hub within the account's engine. This architecture enables any external application to effortlessly subscribe to and consume the events, fostering a dynamic and interconnected ecosystem.

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User Interface

Our user interface is designed to cater to the different needs of client-facing staff, developers, and functional managers. Whether you're interfacing with clients, coding, or managing functionality, our user-centric design ensures a streamlined experience.
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Data Management

Ensure uninterrupted access to your data with our solutions. Recognizing the importance of impactful reporting, we've curated an open and granular data structure tailored for the banking sector. Our solutions seamlessly integrate standard reporting templates, providing a framework for insightful analysis.

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Automatic Scaling

Harnessing the power of the cloud with automatic scaling. Performance optimization becomes dynamic, seamlessly adjusting resources in response to varying workloads. This guarantees efficiency and ensures adaptability to changing business demands, all achieved without the need for manual intervention.

Why choose fiveºdegrees as your trusted partner?

Our deposit and account engine supports a comprehensive range of products that are easily managed and administered, allowing product agility and quick time to market.
Faster Time-to-Market
Our core banking products enable your institution to maintain a competitive edge by dramatically reducing time-to-market for new features and updates. By leveraging the cloud’s rapid deployment capabilities, you can swifty adapt to changing customer preferences and regulatory requirements.
Banking Grade

Our core banking products have been built with the unique insights of individuals with hands-on experience in the banking industry. We've designed our platform "By Bankers, For Bankers."

Future Proof

Experience future-ready technology with our next-gen solutions that simplify the management of deposit accounts, cash accounts, and term contracts. Through our extensive configuration possibilities, we make complex coding a breeze.

Want to learn more?

Enhance your retail- and SME lending operations with highly flexible, cloud-native technology.

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