Commercial lending
that’s a boost for business.

Commercial lending on the Yobota platform allows financial institutions, community banks and specialty lenders to offer any business exactly what it needs to succeed, with simple loan origination, document preparation and a servicing life cycle that provide competitive advantage compared to traditional commercial banking. Our super flexible APIs can work with any financial source and multiple programming languages and platforms, enabling you to design exactly the commercial loan and loan management journey your customers need, whether it's a small business loan, an overdraft, a credit card or even a revolving loan facility which can be repaid and redrawn according to your bespoke loan management rules.

Adapt to any industry.

Our simple commercial loan product builder enables lenders to design for, and adapt to, the changing needs of your specific industry sector and process loans according to your own risk management rules. For example, you can create a commercial lending offering that is bespoke to your customer’s own business model, using a range of features from commercial loan origination and digital document management, to deferred payments and overpayment allowances. You can also adjust commercial lending products with the click of a button, redefining loan servicing, credit analysis, currencies, payment processing terms, pricing models, and more; and even launching or adjusting commercial loan products as needed to align with government support schemes such as Pay as you Grow.

Our advanced loan servicing solution improves customer engagement by providing the ability to see a single source of truth around your customer's borrowing habits over the entire loan lifecycle - whether they're a simple sole-trader or a limited company with several directors. Our data aggregation and intelligent automation allow your data warehouse to digest this information and tailor your commercial lending journeys to improve operational efficiency and reduce costs, all in one package.

All of our commercial lending products can be designed to fit your risk appetite and business operations strategy - whether that means offering specific rates or cash advances to customers who use their loan for a certain purpose, or taking simple security for motor finance propositions. Payment structures can also be completely bespoke to allow for different repayment types, fixed and variable schedules or a combination of the two, throughout the term of the loan. Unsecured, or simple secured, commercial lending has never been easier.

Everything you need to succeed.

Our distributions API and advanced loan servicing software ensures commercial lending customers can access your product through your own platform, or unlimited loan brokers and price comparison sites, with more than a million executable quotes a month and the option to get cash to the customer in 15 minutes.

Integrations are easy, not only with the larger credit institutions but also smaller, specialist SME bureaux to ensure that you have access to a range of qualitative and quantitative credit information and financial data for safe loan origination, and decisioning tools that are best for you.

Whatever your offering, Yobota has the tools and expertise to make it happen, and get you to market faster.

Book a call

Whatever your offering, Yobota has the tools and expertise to make it happen, and get you to market faster.

Book a call

Latest News.

Buy Now Pay Later – A boost for business

It’s a massive topic in the financial industry right now, and we’ve already talked a bit about the ‘standard’ Buy Now Pay Later (BNPL) model, where consumers can access instant lending at point of sale to spread the cost of their purchases. This version pretty much does what it says on the tin, and is being adopted at an astounding rate, but there are still a lot of questions around how to make it safe and ethical for the customer and the industry.

Read Article
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4 mins read

Services.

Revolving Lines of Credit

The flexibility of our lending platform gives you the freedom to offer your customers exactly the right product to help them navigate their financial ups and downs, boost their working capital or just get them through those tight spots.

Latest news.

Banking as a Service…and a solution

At AltFi’s recent Lending Summit event, Yobota’s CEO, Ammar Akhtar, and Chetwood’s CEO, Andy Mielczarek, took part in a fireside chat to discuss the.…

Read article
8 min read

Why is it so exciting?

This means that, not only can you take advantage of a stack of pre-existing, ready to go products, and get them to market in no time at all; but even if you have a really specific, niche offering in mind, the cost of entry to the marketplace is dramatically reduced. So an idea that might not have been worth pursuing before, suddenly is.

The implications for the customer are huge, because:

  • It’s much easier for new providers to enter the industry, forcing legacy banks to be more competitive
  • Enabling a really straightforward route to market for these companies with cool ideas for products that will genuinely help people do more with their money

Ready to get started? Get in touch with our team.

Book a call

Ready to get started? Get in touch with our team.

Book a call
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