Online lending management system
Launch, automate and grow any loan product – from application and AI-assisted credit decisions to servicing, collections and reporting – on one cloud platform.
About Finsora
Finsora builds online lending software for consumer lenders, fintechs, credit unions, leasing and factoring companies. Our cloud platform covers the whole loan lifecycle, connects to the services you already use through a straightforward API and runs under your own brand – so you can focus on customers, not on systems.
Solutions
26 products, modules and services in five groups. Each page explains features, who it is for, how implementation works and common questions.
Consumer, payday, BNPL, microfinance, auto, mortgage, healthcare, leasing, P2P, factoring and SME.
Origination, credit scoring, servicing, collections and the core loan management system.
Borrower portal and apps, integrations and regulatory processes.
Implementation, custom development, hosting, AI and growth marketing.
E-commerce and configurators for the window and door industry.
One platform
Branded web and mobile application with documents, consents and partner channels.
Identity, AML screening, credit bureaus and open banking data in one flow.
Rules, scorecards and AI-assisted assessment return explainable decisions in minutes.
Offer, pre-contractual information, e-signature and automated disbursement.
Payments, schedules, changes, statements and a self-service borrower portal.
Reminder strategies, payment plans, portfolio analytics and regulatory reports.
Platform
No servers to maintain. Scales with your portfolio, updated continuously.
Back office, borrower portal and apps work on desktop, tablet and mobile.
Encryption, role-based access, MFA and a complete audit trail.
Portfolio, arrears, cash-flow and product dashboards with exports.
REST API and webhooks to connect CRM, accounting and any provider.
Credit assessment, document reading and assistants that save hours every day.
Compliance
Rules change; your processes should keep up. The platform records what supervisors ask for and adapts as requirements evolve.
Directive (EU) 2023/2225 applies from 20 November 2026: wider scope incl. BNPL, stricter creditworthiness assessment and disclosures.
Consents, data access and deletion requests, retention periods and EU hosting options.
KYC, sanctions and PEP screening, risk rating and periodic reviews with full records.
Credit scoring of individuals is high-risk under the EU AI Act – decisions keep reasons, inputs and human oversight.
Every action, decision and document is logged with user and time for internal and external audits.
Integrations
Identity, data, payments and business tools connect through a straightforward REST API and webhooks. New connectors are built for the providers you choose.
Why Finsora
A standard configuration goes live in weeks, not years.
Products, rules and documents change without development work.
White-label portals, apps, documents and domain.
Open communication, proactive planning and support you can count on.
Implementation
We show the platform on your use case and answer questions.
Products, processes, integrations and reports are documented.
The platform is set up in your brand; integrations are connected.
Data is migrated and reconciled; your team tests real scenarios.
Launch, training and ongoing support as you scale.
Industry solutions
Configurators, dealer portals and online shops for PVC and aluminium window and door makers – with optional customer financing from the Finsora platform.
Blog
Practical articles on lending software, credit risk, regulation, automation and growth for lenders.
How lenders use open banking account data to assess income, expenses and affordability for borrowers with little credit history – process, data, risks and rules.
A practical guide to choosing loan management software: product flexibility, automation, integrations, compliance, security, reporting, migration and total cost.
The revised EU Consumer Credit Directive (CCD2) applies from 20 November 2026. What changes for lenders and BNPL providers, and how to prepare processes and systems.
FAQ
Finsora (UAB Finsora) develops online lending management software: a cloud platform for loan origination, credit scoring, servicing, collections and reporting, plus borrower portals, integrations and implementation services.
Consumer and payday lenders, BNPL providers, microfinance institutions and credit unions, auto, mortgage, SME and healthcare lenders, leasing and factoring companies and P2P platforms.
Yes. It is cloud-based and multi-device; hosting location, including EU hosting, is agreed with each client.
Yes. The borrower portal, mobile apps, documents and notifications are white-labelled.
A standard configuration can go live in a few weeks. Projects with data migration or many integrations take longer – we agree a plan after the demo and discovery.
The platform supports the processes CCD2 focuses on – creditworthiness records, pre-contractual information, consents and audit trail. Final legal interpretation for your market should come from your compliance advisor.
Demo
Tell us about your lending business. We reply within 1 business day and show the platform on your use case.
We'll get back to you within 1 business day to arrange the demo.