The engine behind your transformation

We power financial institutions’ digital transformation via state-of-the-art lending technology and professional consulting.

Whether our clients choose individual modules, bespoke combinations, or our off-the-shelf Lending-as-a-Service platform, they achieve their objectives quickly and with budget to spare.

“As Cembra Business, we take pride in meeting our customers’ needs with secure and simple financing. Spotcap’s lending technology has played a key role in extending our customer promise to the business segment, because it enables us to provide fast credit decisions and the optimal loan offering for each case.”

Régis Lehmann

Head of Cembra Business

Fully customisable lending solution

Digitise and automate core processes through our award-winning platform & expertise.

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Onboarding

Build omni-channel customer acquisition paths, seamlessly integrate leads from your existing architecture, and automate customer verification processes & fraud prevention checks.

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Advanced Data Processing

Automate the recognition, extraction and mapping of data from all types of documents, immediately determine customers' risk profiles and improve UX with real-time feedback.

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Decision Engine & Risk Analytics

Reinforce your underwriting with proven risk parameters, decision rules and workflows, and assist manual case reviews with our comprehensive visualisation tool.

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Workflow Management & Loan Servicing

Implement best-in-class CRM, raise efficiency via a proprietary loan management system and enable collections agents with highly automated workflows.

Fully customisable lending solution

Digitise and automate core processes through our award-winning platform & expertise.

Spotcap_il_ob_v001

Onboarding

Build omni-channel customer acquisition paths, seamlessly integrate leads from your existing architecture, and automate customer verification processes & fraud prevention checks.

Spotcap_il_pr_v001

Advanced Data Processing

Automate the recognition, extraction and mapping of data from all types of documents, immediately determine customers' risk profiles and improve UX with real-time feedback.

Spotcap_il_dm_v001

Decision Engine & Risk Analytics

Reinforce your underwriting with proven risk parameters, decision rules and workflows, and assist manual case reviews with our comprehensive visualisation tool.

Spotcap_il_sm_v001

Workflow Management & Loan Servicing

Implement best-in-class CRM, raise efficiency via a proprietary loan management system and enable collection agents with highly-automated workflows.

Your objective, our solution

Stand out with a seamless digital experience

Our onboarding technology provides all necessary digital assets

Customers can apply for a business loan in as little as 5 minutes

Reduce operational costs and review times

Our processing algorithms automate data input and distribution

You reduce manual tasks and capture customer data in seconds

Maintain low risk levels and improve underwriting workflows

Our Decision Engine analyses financial data based on 200+ numeric attributes

You deliver tailored loan offers while maintaining low default rates

Remove servicing blockers and nurture customer loyalty

Our loan servicing components feature a full suite of CRM tools

You increase customer engagement and streamline case management
*According to the March 2019 Market Leader Brief entitled 'Lending as a Service (LaaS)' published by Lendit.

Why Spotcap?

What sets us apart is our approach. Rather than support only as a tech supplier, we work as an extension of our clients’ teams and enable their success by:

  • Delivering a solution tailored to their business objectives and existing infrastructure
  • Sharing market expertise based on years of direct lending and over €450mn lent to SMEs across different markets
  • Consulting during launch and promotion and highlighting further opportunities for scaling

Spotcap at events

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