Embedded lending technology to help your business customers grow
Single Sign-on experience
KYC/AML checks. No need for additional checks if already performed by EMI
Secure data integrations
Real time access to clients’ performance data (Stripe, Google Ads, Shopify, etc.)
Swift credit decisions
Shortfalls predictions
Loan dashboard
Loan accounting
Notifications
Recovery actions
01
We rely on third party data like Shopify and Google Analytics to perform real time analysis of borrowers business performance. No other assurances required.
02
There are no fixed installments. Repayments take place only when revenue is generated and are proportionate to the level of generated revenue.
03
No paper forms, no long application procedures - just a quick and fully digital 3 step process to receive a revenue based loan offer.
Revenue based, collateral and interest free - the best financing solution for merchants already available through our partners:
Softloans is a fintech creating embedded lending technological solutions that help partners offer financing products to their merchants. We are here to change the way lending to SMEs work and do that through data and technology.
Revenue-based fianncing is all about working together with the business and adapting to the fluctuations any business experiences. Instead of a fixed repayment schedule, an agreed percentage of incoming revenue is automatically used for loan repayment. If sales decline, the repayments slow down.
Another important characteristic - interest fees are replaced by a clear one time loan fee. This provides businesses with the clarity about the cost of money.
Softloans charge a fixed commission that starts from 8%.
There is no interest. There are no hidden fees. And there are no collateral requirements.
The percentage of sales for repayments are established based on the performance data of the specific business.
Direct financial benefit - Softloans shares the commission paid by the merchant with the partner. That is a completely new steady revenue stream available to you right now with no product development costs.
Indirect benefits - workign capital helps your merchants grow and leads to increased business with you, increases your customer loyalty, and grows customer satisfaction.
It can be as simple as a link to a stand-alone Softloans platform or fully embedded solution into your platform. In any case, Softloans will cover the full engagement process from application to collection.
To apply for a revenue-based loan merchants are asked to:
A merchant receives an offer in 24 hours.
Where the partner has access to the historic revenue data for the merchant, pre-approved offers can be created proactivelly.
For bank statement analysis we cover 2500+ banks in 30+ countries:
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom
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