Online lending solution

A turnkey white label solution for online loan issuing and repayment on a website, in-app, IVR or ChatBots. Improve the quality of your loan portfolio with a smart scoring system and flexible collection methods.

This PCI DSS certified service is offered in partnership with clearing banks.

Finstrument’s ready-to-use
solution for:

    • Microfinance institutions
    • Microlending companies
    • Credit unions and mutual savings banks
    • P2P lending platforms

market launch
Fully integrated solution in just 2 days.
online business
A smart credit scoring system and easy-to-use repayment tools provide a high loan collection rate and help your business flourish.
We cover 80% of the online lending market in Russia and the CIS. Take advantage of our experience and position yourself firmly as market leaders.
Qualified technical support available for all stages of the integration process at any time.

Comprehensive solution

Borrower identification
Our system will verify and authenticate a borrower’s personal data.
Credit scoring
The scoring system computerizes loan issuing and strengthens your portfolio. Scoring blocks fraudsters and protects you against debt-ridden borrowers.
Scoring helps computerize the secure loan issue decision-making process.
Loan issuing
Send loans to bank cards directly and control deposit limits by connecting several acquirer banks.
Loan repayment
Finstrument covers 80% of the online lending market in Russia and the CIS. Our knowledge and experience guarantee a high loan collection rate. Enjoy a wide range of repayment methods: e-com, recurring payments, IVR tools.
Elective repayment of a loan via a borrower’s bank card.
Recurring payment
Save time and increase authorization rates by supporting automatic recurring payments.
Allows credit payments to be made during phone calls with the bank. The borrower inserts the card number in tone mode and the credit payment is paid instantly.

Payment solution technologies

The multi-acquiring solution offers the seamless processing of loans and getting overdrafts.
The system’s ultimate fail-safety guarantees the continuous performance of your payment solution without any failures or delays.
A borrower’s card data
is encrypted under PCI DSS standards, which ensures card data security.
The powerful anti-fraud
system blocks fraudsters and keeps your business secure.
All kinds of payment interfaces via unique API
(web, mobile apps, IVR).
How to start:
Submit a request and specify your approximate turnover.
We will send you a proposal with contracts and a sandbox solution.
3. Sign the online contract and open an account with a range of banking organisations
(for lending purposes only).
Launch the payment solution
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