Lending as a Service

What is Lending as a Service?

Lending as a Service is a model that allows non-bank companies to offer loan products by leveraging a third-party’s lending infrastructure. The service provider handles the credit scoring, funding, and regulatory compliance on behalf of the partner brand.

Why It Matters

• It enables brands to offer credit at the point of sale without becoming a bank.

• It provides a seamless borrowing experience integrated into existing customer workflows.

• It allows for faster deployment of lending products through pre-built technology stacks.