OnTech is an online platform for payday and short-term loans, built for full automation, low-cost support and fast localisation. We adapt it to your market, deploy it in your cloud and hand over the source code.
MVP in up to 3 months · source code and cloud handed over
Of international fintech experience built into the platform
Manual underwriting steps. Decisions rely on automated checks and past performance data
Maximum build time for the MVP once requirements are agreed
Source code and the cloud account are transferred to you after acceptance
We built OnTech after running into the same problems in every new market. The platform keeps only what scales and what borrowers value, and automates the rest.
High cost of launching in a new country
A new country needs only language and legal localisation
Expensive HQ and local offices
Full automation and low-cost support, with no manual underwriting team
Platforms overloaded with features
Only the processes needed to scale and the ones customers value
No room to experiment with the product
Amounts, rates, discounts and A/B tests are configured in the risk engine
Every change to the loan platform is costly
Modular services and your own source code, so changes stay small and cheap
One platform covers the borrower's path from the first visit to the final repayment. Each module is adapted to your loan product, your regulator's rules and the providers you work with locally.
The money side of every loan, from payout to the last journal entry.
Scoring, KYC and anti-fraud with an ML pipeline. Loyalty engine and product parameters (amount, rate, discounts) with built-in A/B tests.
Loan application, registration, personal account, contract signing, payment schedule and repayments.
Handles external requests and routes them to microservices. Registration, login, PIN and token-based sessions.
Support panel, telesales, workspaces for collectors and supervisors, manual adjustments, tickets and communication history.
SMS, push and email from shared templates, in as many languages as your market needs.
Connectors for local SMS providers, payment providers, credit bureaus and other risk data providers.
Parameterised contract templates filled in automatically for every loan and every market.
Automatic calls by collection scripts, call queues, recordings and web callback into the CRM, with IP telephony.
iOS and Android apps on the same backend as the web app: applications, repayments and notifications in the borrower's pocket.
Financial, regulatory and operational reporting on a data warehouse with BI dashboards.
Language models to replace the remaining manual processes. The goal is a lender that runs 100% automatically.
A fixed sequence with fixed terms. You see the scope before work starts and receive the platform once you have accepted it.
We agree the loan product, customer flows and integrations with your team and fix the scope of the MVP.
We adapt the modules, connect local KYC, credit bureau, SMS and payment providers, and deploy everything in a dedicated cloud.
You test the MVP against the agreed requirements and issue pilot loans before the production launch.
We transfer the cloud account and the source code. From this point the platform runs under your name.
Two months of warranty support, then the autodialer stage and any further development at an agreed hourly rate.
Most lending software is rented. OnTech is delivered: after launch, your team or any contractor can change the platform without waiting for a vendor roadmap.
| Typical SaaS platform | OnTech | |
|---|---|---|
| Source code | No access | Transferred to you |
| Hosting | Vendor's cloud | Your own cloud account |
| Pricing | Monthly fee per loan or per user | Fixed project price |
| Changes | Vendor's roadmap and queue | Your team, your contractors or us |
| Licence | Ends with the subscription | Perpetual and worldwide |
Engineering and delivery are led by people who have taken lending and banking products to new markets. Risk, product and engineering work as one team, so the platform reflects how a lender actually operates.
Once requirements are agreed, the MVP is built in up to 3 months. Acceptance takes 10 business days, followed by pilot loans and the production launch.
Yes. After acceptance and payment we transfer the code and the cloud account. You receive a perpetual, worldwide licence to use and modify the platform for your lending business.
In a dedicated cloud account set up for your project. We run it during development and transfer the account to you at handover.
Yes. KYC services, credit bureaus, payment gateways and SMS providers are part of the adaptation. We ask for the providers' documentation and test access about a month before the MVP is presented.
Two months of warranty support covers defects. New features and the autodialer stage are delivered under the same agreement or at an agreed hourly rate.
Tell us about your market, loan product and target launch date. We will come back with a scope and a timeline.