Hammarbybacken 27, Stockholm, Sweden
Crowdlending = loan-based crowdfunding
If you want to offer a secure and user-friendly Crowdlending platform that seamlessly connects borrowers and lenders, ZWEBB Fintech can be your one-stop tech partner. Our robust, highly customizable, and easy-to-use software will streamline your work and empower you with a safer, faster, and more efficient crowdlending experience.
Even though the technology behind our fintech platform is quite complex, our service is still easy to use. The crowdlending platform produced by ZWEBB Fintech provides:
- The integrated Loan Management System (LMS)
- Interactive dashboards for investors and borrowers
- Integrated e-signature and online identification modules
- Customer due diligence (KYC, Know Your Customer)
- Instant deposit payment options
- Automated Tax reporting
- Multilingual and multicurrency options
- Open API connectivity
Among others, we have provided the technology behind one of the Scandinavia's largest and most innovative Crowdlending companies – Kameo. Seven years of software development have resulted in a finetuned crowdlending platform with perfected security and cutting-edge technology, that has completed over 700 loans with more than EUR 300 million in turnover!
What is Crowdlending?
Crowdlending, or loan based crowdfunding, is a new way to provide business loans. In recent years, crowdlending has become a growing market and a brand new, attractive field for investors. Since many banks reject loan applications from small businesses (SMEs), crowdlending has become an excellent financing alternative to traditional bank loans.
On the digital Crowdlending platform, suitable borrowers and lenders are seamlessly matched. This means that a variety of different investors are providing the loan capital for a project. The interest rate is set by the crowdlending platform and it depends on the risk rating for each project.
Becoming our partner is a win-win situation. You, as a platform operator, will provide financial access for those who are tired of traditional banking and we will support you with the essential technology to make your mission come true.
What is the Difference — Crowdfunding vs Crowdlending?
By now, crowdfunding is a widely known concept in financing. When crowdfunding, companies that need capital are financed via digital platforms. In most cases, many individuals contribute with smaller amounts. Crowdfunding can be done in several ways, such as pure donations for future rewards, or a future equity stake in the company. Crowdfunding often means that you are donating to the business without any guaranteed returns. Crowdfunding has no cap on how much you can get out of an investment, but it could also mean that you won't get anything at all. This is where crowdfunding and crowdlending differ substantially.
Crowdlending is the loan-based financing method where investors get regular returns on their invested capital. Crowdlending is often performed with security - collateral assets, shares and/or personal guarantees. Investors usually have the right to have their investments back with interest. The returns can be withdrawn or reinvested in other projects on the crowdlending platform.
Crowdlending Platform Advantages
FinTech systems and financial software, such as crowdlending platforms, have high demands on technical performance. The calculations within crowdlending software are complex and many different high-tech features need to interact. At the same time, the platform must be easy to use, load quickly and work fast, whether you are using it on a desktop computer, mobile phone or tablet.
The unique Crowdlending platform created by ZWEBB Fintech is both a complex financial instrument and an easy-to-use tool, featuring solutions like Loan Management System (LMS) and Cross Border Investments, using Scrive tool for online identification and agreement sign-off. It also comes with interactive dashboards, KYC, and RegTech compliance tools, as well as multilingual and multicurrency options.
Crowdlending is the Future
Times have changed. Investing in companies and ideas is not only for venture capitalists and business people. Everyone is now able to contribute to the financing of a project. And every project is, therefore, able to be realized, by people who really believe in the idea.
Crowdlending is the future, as it directly connects the right borrowers and lenders without unnecessary intermediaries. The technological advancement provided by ZWEBB's crowdlending platform takes the financial industry forward and opens up entirely new business possibilities.
Are you looking for a provider of a Crowdlending platform adapted to your target market?
Please get in touch with ZWEBB Fintech by filling out the form below.
