Modular Infrastructure

Credit infrastructure that scales with your roadmap

Launch, test, and manage lending products across your stack — without building a credit function. Orbii’s modular system lets you add decisioning, scoring, and compliance only when you need it.

Automated underwriting

Automated credit decisioning, built for scale.

Orbii transforms raw financial data into lending decisions in seconds. Our platform handles data ingestion, parsing, enrichment, and scoring — so you can approve more, faster, with less manual overhead.

API + CSV/PDF support

Automated income & expense classification

Dynamic scoring models with risk thresholds

Real-time decision delivery via webhooks

Borrower intelligence

Complete borrower intelligence, from day one.

Orbii enriches raw bank data to create a dynamic profile of each applicant — cash runway, behavioral risk, credit signals, and repayment capacity — so you never underwrite in the dark.

1,000+ derived financial metrics

Behavior-based default prediction

Business health & cashflow mapping

Continuous model improvement via feedback loops

Built for your business model

Fintech Lenders

Use plug-and-play risk tooling and automated workflows to underwrite faster without growing your team.

Scale loan approvals with confidence.

For Neobanks

Go live with salary advance, consumer loans, or credit builder cards in 48 hours — built for GCC markets.

Ship credit lines without credit infra.

For Startups

Prove unit economics with merchant financing, working capital, or embedded lending tools.

Embed financing into your product
Salary Advance
Merchant Financing
Working Capital
Embedded Lending
BNPL
Salary Advance
Merchant Financing
Working Capital
Embedded Lending
BNPL

How Foodics Lender boosted loan approvals by 30% using Orbii’s AI engine.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut et massa mi.

Built for growth

Launch lending faster, scale smarter

Test new lending ideas, onboard your first borrowers, and scale with confidence. Whether you're embedding financing into your platform or standing up your first credit line, Orbii gives you the infrastructure to move quickly — no risk team, no compliance lift.

Phase 1

Train your model

Feed your historical data or start from Orbii’s GCC-native datasets to build explainable, risk-adjusted lending logic from day one.

Phase 2

Plug into your tools

Integrate in minutes via Slack, HubSpot, or Zapier — no dev lift required. Operate inside the tools you already use.

Phase 3

Launch your first product

Start with merchant financing, salary advance, or embedded loans — spin up a live offer in 48 hours.

Phase 4

Track and optimize

Get visibility across approvals, repayments, and drop-off. Test policies, tweak thresholds, and grow your credit business with control.

Modular AI Infra

Empowering Decisions with Orbii’s AI Models

Transaction

DEX

Multi-tiered business transaction classifications

Risk & Fraud

RYN

Validate company behaviour on its blueprint business activities & trade

Credit Recommendations

TARS

Explainable (XAI) & generative AI based tailored credit recommendations

Business Activity

CASE

Validate company behaviour based on blueprint business activities & trade

Financial Interactions

PLEX

Get a multi-dimensional view on the financial chain of interactions of the business using graph intelligence

Future Company Health

KIPP

Explainable (XAI) & generative AI based tailored credit recommendations

Designed for developers

Built for modern dev teams

Save engineering time with a single API that covers everything from eligibility to collections. We handle the complexity of credit risk, data pipelines, and audit trails — so your team can launch lending fast without rebuilding infra.

Use Orbii with your stack

Ship under 48 hours

Extend with prebuilt ops

See Orbii in action

Get the infrastructure, support, and confidence to launch and scale lending in days.

Product launch in 48 hours

Plug-and-play credit infra

GCC-native data and explainable models

Slack, CRM, or API-native delivery

Extend with APIs and low-code tools

Success managers and 24/7 support