Fintech Lending Software Built on a Building Platform
Launch BNPL, MCA, POS, or B2B Installment products in weeks - not months. timveroOS gives fintech teams a complete lending solution with a Building Platform underneath: configure product logic in the admin panel, extend in code when you need something unique.
Launch in weeks, not months
No per-seat or per-volume fees
Your stack, your rails, your brand
timveroOS is built for fintech teams who outgrow SaaS limits
Digital Lenders & Fintechs
You offer BNPL, MCA, POS credit, or installment loans. Your SaaS can't support your product's repayment logic or approval flow. You're patching it with custom middleware.
timveroOS gives you the building blocks to configure your product exactly - without starting from scratch.
Alternative
Lenders
You run working capital, revenue-based finance, or litigation funding. Your loan structure doesn't fit standard amortization. Every vendor wants you to adapt to their data model.
timveroOS lets you define your own product logic using building blocks - entity structure, fee rules, lifecycle events.
Embedded Finance Builders
You're embedding lending into a non-financial product - e-commerce, SaaS, marketplace. You need a white-label borrower experience and API-first architecture.
timveroOS provides a white-label borrower portal on the Building Platform - brand it fully, integrate via open APIs.
Build any fintech lending product - without rebuilding the platform
Every fintech product is assembled from Building Platform blocks. Add your product logic on top - not around arigid SaaS schema.
BNPL / Buy Now Pay Later
Lending automation for banks and alternative lending institutions: loans, secured and unsecured credit lines, business credit cards, installment loans, and more.
MCA / Merchant Cash Advance
Full automation of loan origination and loan servicing for installments, Buy Now Pay Later (BNPL), Point-of-Sale (POS) lending, auto loans, microlending, and credit lines.
POS Lending
Full automation of loan origination and loan servicing for installments, Buy Now Pay Later (BNPL), Point-of-Sale (POS) lending, auto loans, microlending, and credit lines.
B2B Installment & Working Capital
Full automation of loan origination and loan servicing for installments, Buy Now Pay Later (BNPL), Point-of-Sale (POS) lending, auto loans, microlending, and credit lines.
The integrations fintechs need - built as Building Platform connectors
Payment Rails
Connect ACH, card, and open banking rails via open APIs. Payment connector is a Building Platform block - plug in your PSP directly without middleware. Disbursement and collection logic configured in the admin panel, no code changes per provider switch.
ACH disbursement and collection
Card payments (Visa, Mastercard)
Apple Pay / Google Pay
Open banking data feeds
PSP plug-in without middleware
KYC / AML Integration
KYC/AML is a building block insertable at any origination step. Connect your preferred provider - Onfido, Sumsub, LexisNexis, or custom. Configure hard stops, soft checks, and manual review flows directly in the admin panel. No code changes required when switching or adding providers.
Onfido, Sumsub, LexisNexis support
Hard stops and soft checks
Manual review flows
Step-level KYC placement in origination
New provider switch without deployment
Predictable TCO - No Per-Seat Traps
Subscription pricing scales with your portfolio tier - not with the number of users, API calls, or loan volume events. As your origination grows and transaction frequency increases, your platform cost stays predictable. No surprise overage invoices at month-end, no renegotiation as you scale.
Pricing tied to portfolio size, not usage spikes
No per-seat or per-user fees
No API call overages
No surprise invoices at month-end
Cost stays flat as transaction volume grows
New Feature
timveroAI for Fintech Lending
From checkout signal to credit decision in under 2 seconds
timveroAI automates how fintechs configure and deploy their decisioning environments. It interprets operational requirements - scoring rules, eligibility logic, product conditions, and risk thresholds - and assembles them into executable components on the timveroOS Building Platform.
Instant scoring engine
Decisioning workflow builder
Anomaly detection and portfolio monitoring
Reusable decisioning templates
12x
faster credit decisions
+20%
profit per loan
0
coding required for scoring rules
<2 sec
decisioning time
Why fintechs choose timveroOS over SaaS or custom builds
SaaS platforms
timveroOS
without 9-month build
full data custody
SDK (code)
Custom Development
7
In production
Fintechs that launched on the timveroOS Building Platform
ready-to-use lending infrastructure supplied
Finom
timveroOS partners with a fast-growing European fintech to launch a multi-country proactive credit product for SMEs delivering full automation, regulatory compliance, and rapid market rollout at a fraction of the cost and time of traditional banking systems.
cost reduction compare to the previous solution
Cartiga
timveroOS enables a US-based litigation finance company to launch complex working capital products for law firms while achieving full automation, faster time to market, and significantly lowering costs compared to their previous enterprise platform.
bespoke origination requirements coverage
AMIO Bank
timveroOS enabled a leading Armenian bank to transform a complex lending concept with guarantor support into a fully automated, production-ready solution. The platform ensured full compliance and rapid deployment - bringing the new product to market in just six months.
Ready to build your fintech lending product on a Building Platform?
Talk to the timveroOS team. We'll walk you through the building blocks for your specific product - BNPL, MCA, installment, or embedded lending - and show you a live demo in your context.
Start your journey
Discover how TIMVERO’s flexible solutions can elevate your operations with tailored tools and seamless integration.
Get our free TIMVERO product guide