Loans is built on Froda's native SME lending platform that have been fine-tuned since 2015 and that thousands of SMEs have utilized. Fully automated, with credit models tailored to SMEs and cost-efficient funding via deposit accounts.

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Loans is among the fastest, smartest and most user-friendly solutions on the market.

Access to financing is a major hurdle for the majority of SMEs. With Loans, you can give your customers direct access to affordable financing that is both convenient to use and where the process is much faster than that of traditional financing processes.

Loans is an embedded finance, white-label business loan solution. It allows banks, neobanks, fintechs and other businesses with an SME offering to integrate business loans into their existing platform and offer it to their customers, under their own brand.

It depends on the level of integration. No-code can be up and running in a matter of days. Integrating Froda Embedded's APIs is typically a 2-week process for a team of 2 developers, where our tech team will support and guide you through the process. If you chose to build your own frontend, the integration time depends on the amount of time it will take to devlop the frontend.

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For more details about our APIs, visit our developer portal.

Loans is integrated into your existing platform or application. This can be done either by linking to a partner-branded portal, by integrating the platform into your existing customer portal, or by using Froda’s APIs to build your own frontend. Customers can then apply for loans directly through your platform.

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Froda Embedded handles everything in regard to the lending process, from origination to repayment, as well as the credit risk.

There’s a lot to gain from offering financing to your customers. With Loans, you add an additional service that yields an additional income stream, increase customer engagement and has a lock-in effect during the lifetime of the loan.

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Accessing financing is a major problem for many small businesses, and by providing a solution to your customers’ financing problems, you're going to increase your customer loyalty as well. By giving your customers access to financing you’re also proving them opportunities to invest and grow. Therefore, Loans has the potential to also grow your core business, as your customers are growing their businesses.

Yes, regardless if you choose to use a no-code branded portal, integrated portal or develop your own frontend, Loans is fully customized to your brand.

Installments is a post-purchase embedded financing solution that enables SMEs to split already made purchases into 3, 6 or 12 month installment payments. The solution enables them to make financing decisions post-purchase and to be more flexible with liquidity.

Access to financing is a problem for many small businesses, while liquidity and cashflow are common everyday challenges. Installments targets all of these and gives your customers better access to financing, while giving them flexibility in their everyday life.

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With Installments, the financing decision no longer has to be made beforehand, but instead can be made if the need arises.

By integrating Installments, you add an innovative financing solution to your customers that increase their financial flexibility and makes external BNPL solutions less relevant to them.

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Installments also adds an additional income stream that increase customer engagement and has a lock-in effect during the lifetime of the loan. You'll also strengthen your offering compared to your competitors and reduce your churn by doing so.

Installments is integrated to your platform via API and adds financing to your customers' transaction history. With Installments, your customers can click on purchases they've made and choose to finance them with 3, 6 or 12 month installment payments.

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The solution itself works similarly to Loans, the customer goes through the same application process and undergoes the same assessment. Disbursement and loan repayments are both automatic as well.

Integration time for Installments is typically a 2-week process for a team of 2 developers, where our tech team will support and guide you through the process.

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For more details about integration and our APIs, visit our developer portal.

With Funding, you don’t have to worry about securing the funding for your SME financing operation or credit card offering. Instead, you can integrate our funding via API.

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Froda Embedded's public deposit funding scales at the pace you do and as our license is passportable within the EEA, you can easily expand your offering to new markets. Your custom credit model will also yield more accurate risk scores and therefore more predictable results.

Funding is integrated via API and allows partners to fund their financing solutions with Froda Embedded's funding.

Integration time for Funding is typically a 2-week process for a team of 2 developers, where our tech team will support and guide you through the process. For more details about integration and our APIs, visit our developer portal.

Funding is an embedded finance solution that allows partners to connect Froda Embedded's funding via API and use it to fund their SME financing operation or credit card offering.

By using Froda Embedded's funding, instead of having to borrow money to finance your operation or using your liquidity, you can offer more competitive pricing to your customers. With Funding you can also provide pre-approved credit limits to your customers. This serves two purposes, it allows for faster withdrawals but also gives your customers the advantage of always being aware of how much financing they have access to.