Spotcap Case Studies

Institutional client

Leading provider of financing services in Switzerland

Project objective

Launch a business proposition targeting SME customers with a fully digital service. Spotcap’s end-to-end lending infrastructure enables the institution to offer fast, simple and digital business loans between 5k and 250k CHF.

Spotcap role & proposition

Spotcap’s platform LendSuite was selected as the final solution based on its capacity to deliver an infrastructure that can  support the full loan origination process, from digital onboarding to decisioning and loan management.

After a series of customisations to our white-label platform, we implemented several workflows where SMEs can apply online, receive a credit decision within one working day and have access to funds within 48 hours.

Project characteristics

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Target customers

Small & mid-sized Swiss businesses, operational for at least 2 years
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Level of automation

Highly automated data collection and first level risk assessment for assisted underwriting, automated loan disbursement
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Application flows & data sources

Leaner flow for smaller credit requests building on insights from bank account transactions and credit bureau information. For larger requests the application requires financial statements which are automatically recognised and whose data is instantly extracted
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Results & decision outcomes

Online onboarding takes minutes to complete, credit decisions are delivered in one working day and pay-out requires no more than 48 hours

Additional key customisations

Customised LendSuite’s white-label Partner Portal for large-scale distribution partners

Implemented payment slips instead of direct debits for the repayment process

Introduced multi-language support

Institutional client

Leading universal bank in the DACH market

Project objective

Offer best-in-class digital lending products to both existing and new micro and small businesses. Through fully automated loan operations, customers receive instant credit decisions and same-day financing in the form of credit lines of up to EUR 50k.

Spotcap role & proposition

Spotcap’s lending technology was selected because of its capacity to deliver the necessary infrastructure within a short amount of time and to quickly integrate with the bank’s systems as well as fully automate its loan origination. The solution had to provide a superior digital experience, introduce internal efficiencies in the front and back office and adhere to the bank’s policies.

Project characteristics

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Target customers

Micro and small businesses, operational for at least 2 years
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Level of automation

Fully automated data processing across all bank-internal, external and customer-specific data sources
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Application flows & data sources

Paperless and lean application flow building on insights from bank account transactions and credit bureau information
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Results & decision outcomes

Significant loan volumes, double-digit approval rates and minimal credit defaults. In addition, in-branch processing times were reduced by more than 90 percent

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