Neobanks and fintechs
Give your users credit. We'll fund the loans.
Credit is the revenue line most fintechs want and can't fund. You have the users and the data. We put up the capital for each loan. Draw only when a loan goes out and only pay interest on what's drawn.
- Pilot-sized to start
- Interest on drawn balance only
- Loans up to 6 months
What we finance
Credit your product needs.
- Card prefunding
- Small loans
- Earned-wage advances
- Card credit lines
- Merchant advances
How it works
The funding process.
Show us how you'll lendread-only
Your users, the data you'll underwrite on, and who does the underwriting, whether that's you or a partner. No loan history yet is fine; the first line is sized for that.
Read your offer[2 weeks]
Starting limit, eligibility, rate, and what it takes to raise the limit, in writing.
Run a pilot[90 days]
Lend to a first group of users, and draw for each loan as it goes out.
Grow the lineas loans repay
When loans repay on schedule, your limit goes up by the rule in your offer. You don't renegotiate each time.
What it costs
A rate only on what's drawn.
A simple annual rate on the balance you've drawn. No origination fee, no fee for an unused line, no warrants or equity.
Where the money comes from
Fewer layers between the capital and your users.
Every layer between the money and the person borrowing takes a cut. Most fintech credit passes through several: banks, funds, then lenders. Ours has two. Bitcoin holders lend to BitRepo against their own collateral, and we lend to you. There's no bank above us, so nobody can freeze your line in the middle of a pilot.
- Thomas Hepner Founder & CEO Built credit infrastructure that has processed $2.5B+ in loan originations and repayments.
- Srijith Padmesh Co-Founder and Head of GTM GTM at Reclaim Protocol and Aztec, selling zkTLS verification to fintechs and lenders so they could underwrite better.
Questions
Straight answers.
Do we need a lending history?
No. We start at pilot size and raise the limit as loans repay.
Do you hold a lending license?
No. You lend under your own license or a licensed partner's. Tell us your setup and we'll say whether we can fund it.
Who takes the loss if a user doesn't repay?
[You cover the first X% of losses on each loan.] It's in your offer before you sign.
Do you lend to our users directly?
No. They're your users, and we don't build a book on your data.
Do our users need to touch crypto?
No. You receive and repay dollars, and your terms don't move with Bitcoin's price.
Get an offer
See if we can fund it.
On the call we'll ask what credit you want to offer, who your users are, and who underwrites. If we can't fund it, we'll tell you then.
Run infrastructure for fintechs? We can set up one line your partners draw from, each with its own limit. Mention it when you book.