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.

Whitepaper

Accelerating SME lending

SMEs' need for swift access to financing has never been greater. Learn how your organisation can respond through technology that streamlines lending workflows, speeds up reviews and improves customer experience.

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 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

Webinar: Building a digital end-to-end lending journey for SMEs

In the webinar with SME Banking Club Spotcap’s CEO, Jens Woloszczak discusses how to make your SME lending fully digital how Spotcap can solve these challenges with its Lendsuite Plattform. 

DEEP DIVE: Transformation and cultural change - making the bank future-proof

In the Deep Dive within the Handelsblatt Banken-Gipfel 2020 Spotcap’s CEO Jens Woloszczak together with Karl Matthäus Schmidt (CEO of Quirin Privatbank) and Sibylle Strack (CEO of Kontist) discusses transformation and cultural change in the banking sector.

Paris Fintech Forum 2020

At the Paris Fintech Forum 2020 Spotcap’s CEO Jens Woloszczak presented our journey from the direct lender to offering a proprietary Lending-as-a-Service solution as well as introduced our Lending-as-a-Service solution LendSuite.

Spotcap News

First Analysis White Paper

The prevailing financing gap facing SMEs around the world is a widely acknowledged phenomenon preventing SMEs, the backbone of our modern economies, from fully reaching…

How Tech Can Enable Banks to Support SMEs During the Pandemic

The outbreak of COVID-19 has put many businesses on pause with a challenging and uncertain economic outlook. SMEs in particular have been hit hard from…

Spotcap powers Cembra Money Bank’s first business offering

Swiss bank can now offer access to business loans within 48 hours BERLIN, Germany — 3 March, 2020 — Spotcap, a multinational fintech, and Cembra…

Latest press release

Ferratum übernimmt Spotcap-Kreditgeschäft

Das Berliner Kredit-Startup Spotcap fokussiert sich künftig auf Software für große Finanz-Unternehmen. Sein verbleibendes Geschäft hat es für einen Millionenbetrag an das Fintech Ferratum verkauft.

Maßgeschneiderte und leicht zugängliche Lösungen

Kleine und mittelständische Unternehmen (KMUs) haben häufig mit einer defensiven Haltung der Banken bei der Kreditvergabe zu kämpfen. Das hat auch technische Gründe.

Request a Demo

    Thank You!

    We have received your request and will be in touch shortly.