Launch SME lending without a credit team

Start offering SME and micro-business loans without the heavy lift. Deploy a ready-to-go underwriting layer and go live in days.

Talk to an Expert

Built for the real world of neobanks

Launch credit in days, not months

Ship salary advance, credit cards, or consumer loans in 48 hours. Prove unit economics and validate product-market fit fast.

Move like a credit-first fintech

Handle credit logic, fraud, and explainable decisions out of the box — no hiring or upskilling required.

Skip the infra build

Streamline underwriting with low-code, Slack-native workflows. Turn bank statements into structured insights and plug into your existing tools.

Built on your market's data

Build models on local behaviour and thin-file borrowers. Reduce risk with fraud classifiers trained on your own market, and go live where others cannot.

Make Credit a Growth Engine,
Not a Bottleneck

92% ↓

in credit evaluation time

+68%

in approvals

58% ↓

in default rate

Case Study

Zero to Credit: How Orbii Enabled a New Lending Line for CredibleX

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Lending

Launch SME lending in 48 hours

Launch salary advance, merchant financing, or working capital lines in days. Automate underwriting, reduce risk with models trained on your own book, and prove monetization fast without building infrastructure or hiring analysts.

Book a Demo

Launch new credit products without backend lift

Underwrite with explainable AI and your market's risk signals

Convert workflows into revenue with embedded lending

Flexible integration, no lock-in.

launch faster with tools your team already uses.

Modular API endpoints

Data export for analytics or audit

Integrates with internal tools and lenders

Five surfaces

One record, five surfaces

01Intake

02Origination

03Decisioning

04Servicing

05Portfolio

Intake

Orbii Intake

Reads the paperwork. Statements, financials, bureau reports and invoices become fields your credit policy can be written against, each one traceable back to the page it came from.

Origination

Intelligent LOS

Assembles the application and screens it against your own credit policy, so what reaches a credit officer is already worth opening.

Decisioning

Decisioning and Labs

A band, a score, and the reasoning behind both. Your eligibility rules gate the population, your PD model ranks within it, and the weighting is yours to set.

Servicing

Intelligent LMS

Schedules, restructures and a full audit trail. Every repayment becomes a labelled example, so the book you are running teaches the model that writes the next one.

Portfolio

Portfolio Intelligence

Canvases you build, not reports you request. The book is watched continuously rather than quarterly, and what it finds loops back into the next decision.

The Orbii stack

Five surfaces, one stack

Adopt one surface or run them all. They sit on the same record, so nothing is re-keyed between them and every repayment loops back into the decision that writes the next loan.

01 / 05

Intake

Orbii Intake

Reads the paperwork, and every field traces back to the page it came from.

Origination

Intelligent LOS

Assembles the application and screens it against your own credit policy.

Decisioning

Decisioning and Labs

A band, a score, and the reasoning behind both.

Servicing

Intelligent LMS

Schedules, restructures and a full audit trail, feeding the next model.

Portfolio

Portfolio Intelligence

Canvases you build, watching the book continuously rather than quarterly.

Designed for developers

One record, one API.

A single API and one webhook stream across intake, decisioning, servicing and portfolio. Every field traces to its source, every decision is logged.

LN-00001

POST /v1/applications

{

"borrower": "Falcon Foods Ltd",

"documents": [ 4 files ],

"policy": "sme_v3"

}

// 201 Created

{

"loan_id": "LN-00001",

"status": "parsing",

"events": "webhook"

}

documents.parsed 312 fields from 4 documents09:41:02

application.assembled screened against sme_v309:41:04

decision.issued Band B, PD 4.1%09:41:06

loan.disbursed on approval—

repayment.posted on each instalment—

portfolio.updated continuously—

policy.applied sme_v3, by rules engine09:41:04

model.scored champion v4, Gini 0.6209:41:06

reason.recorded DSCR 1.42, zero days past due09:41:06

field.traced every value back to its source page09:41:06

reviewer.assigned credit officer, queue sme09:41:07

Every event carries the same loan id. Nothing is re-keyed between surfaces.

Your success is built in

We partner with your team to launch fast, operate smoothly

Team trainings

We train your team on workflows, risk settings, and how to underwrite confidently with Orbii — in hours, not days.

Customer Success

You’ll be matched with a dedicated success manager to help you hit credit and launch KPIs from day one.

Slack/CRM integration

Get approvals, risk flags, and borrower insights delivered directly into Slack or your CRM of choice.

24/7 Priority Support

Global support team on standby to resolve issues fast and keep your credit ops running smoothly.

See Orbii in Action

Instant, plug-and-play risk layer

Market-native scoring

Fully auditable decisions

Slack or CRM-based delivery

Success manager + team training

24/7 Priority Support

Book a demo

Launch SME lending without a credit team

Built for the real world of neobanks