Lending software development by Code & Pepper
No matter if your product aims to serve individual or business purposes, compelling application design can give you the power to outshine competition. The design team at Code & Pepper will be thrilled to join the time-to-market race and bring their expertise on board!
Digital lending software consists of multiple layers, including data processing, payment gateways, security features, and robust front-end. It’s our goal to engineer every layer to perfection and achieve top performance as a result.
Alternative financing offers a myriad of third-party integrations, e.g. with digital wallets, money transfers or open banking. Hands-on experience in implementing such solutions allows our developers to create efficient, reliable, and secure products.
To ensure high connectivity and accessibility of your app, Code & Pepper promotes API-driven development. With this approach, we can create a developer-friendly code structure and help your product excel not only among your customers, but also among the tech community.
Aiming for high-tech prowess? You’re in good company!
Introduction to digital lending solutions
P2P lending marketplaces
This type of products responds to the needs of businesses that seek financing, but conventional bank loans are not an option they can — or want to — rely on. Connecting investors and companies through crowdlending platforms has created new opportunities for businesses of all sizes and industries. P2P lending software gives them a chance to bring their fund-worthy ideas to life, while potential investors can in turn build diversified portfolios and benefit from attractive interest rates.
Invoice financing solutions
Unsteady cash flow caused by delayed payments is every entrepreneur’s worst nightmare that many small and medium businesses have to face on a regular basis. Invoice financing (or accounts receivable financing) resolves this issue by lending money to such businesses against the amounts due from customers or debtors. The funds can be used to fill the gaps in cash flow or reinvested in growth, while the borrowing fee is typically calculated as a percentage of the invoice amount.
Loan comparison engines
The amount of loan offers available on the market can be overwhelming or confusing, making it difficult to choose the best option. Sooner or later, tech-savvy FinTech founders had to come up with a solution to this problem by introducing comparison platforms. They often combine the power of big data technologies and machine learning (in features such as recommendation engines) in order to deliver valuable, personalised search results for individual and business users.
Credit scoring and risk rating
Digital lending would be crippled without tools for assessing creditworthiness. New FinTech players specialising in predictive analytics often leverage data sourcing through automated APIs, feeding their scoring models and risk profiles with relevant data inputs, such as financial history, macroeconomic variables, and qualitative information. Some can even be connected to your accounting software to monitor credit scores, automate updates and set up early warning indicators.
Denmark’s leading crowdlending platform
Flex Funding is a web marketplace combining peer-to-peer lending and business investment. It matches private and professional lenders, who wish to build a profitable portfolio, with small and medium-sized enterprises looking for affordable loans to boost growth.
Code & Pepper came on board to refine the product requirements, create a slick user interface, optimise UX and supply dedicated Angular developers to implement a robust front-end. The application makeover resulted in higher accessibility and performance, with solid security features put in place and tested during a custom QA process.
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50+ pages developed
4.4 Trustpilot score
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Premila Stampe Head of Business Strategy at Flex Funding
We value Code & Pepper for their quick-to-grasp understanding of our financial product and implementing an optimized user experience on the client-side app. The team are highly experienced and brought a great approach to our project.
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Christian Schneider Co-founder at Monkee
The team at Code & Pepper has been very responsive to our business needs since the beginning of our collaboration. When new requirements emerged, they were always both fast and diligent to provide us with candidates that fully met our teams’ requirements. Experts in specialized software development areas are always in high demand so having a competent partner by your side is a great help to move quickly as a start-up!
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James Varga CEO and Founder at DirectID (The ID Co.)
We value Code & Pepper for their proactive attitude, responsiveness and transparency. It’s a reliable and dependable company that we can recommend for other business entities to cooperate with.
14 years on the market
70+ team members
4.6 score on Clutch
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