Lending Software Development
with Expert Platform Engineers

In the era of P2P technologies, alternative financing services are gaining popularity, but loan lending app development is quite the challenge. Share your product idea with us and watch how lending app software development company brings out the best of it: for the users and for your company.

P2P lending software development
in peer to peer economy

Banking is necessary, banks are not,” said Bill Gates in 1994. The same attitude drives challenger banks and tech-savvy startups in their efforts to end the dominion of incumbent financial institutions, burdened by legacy software and outdated underwriting systems.

The growing demand for financing is unlikely to be satisfied by traditional banks, with their time-consuming application processes and strict eligibility criteria. The sharing economy and peer-to-peer models are finally given a chance to offer a long awaited alternative.

Loan software development begins with striking the right balance between user expectations and business goals

On the one hand, you have borrowers looking for flexible and affordable funding solutions to boost their working capital, improve cash flow or finance innovation. On the other hand, there are lenders hunting for new investment opportunities to secure stable returns and build a well-diversified portfolio. Satisfying the needs of both parties is a challenge you shouldn’t face on your own…

Aiming high? You’re in good company!

Code & Pepper has a sweet spot for developing ambitious FinTech products. Let’s build one together!

Olga Pogorzelska
New Business

UX in loan software development

If your P2P lending platform is to succeed, interactions between borrowers and lenders must be carefully planned and reflected in rules of engagement and user flows.

Gaining customers’ trust begins with a good track record and strategic community building: providing background checks, ratings guides, statistics, and risk profiles.

On top of that, the platform’s survival often relies on reducing operating costs without compromising regulatory compliance and cyber security. With Code & Pepper in your P2P lending software development team, all those pieces of the software puzzle will run like clockwork.

Introduction to capabilities of our
lending app software development company


What do Oculus Rift (now owned by Facebook), Fitbit watch and Exploding Kittens have in common? They all owe their success to crowdfunding! Platforms such as Kickstarter or Patreon have become the hub of innovative startup products and independent creators looking for support from their enthusiasts. Depending on their business goals, crowdfunding platforms should be able to scale up in terms of user base growth, the amount of money transfers, and the sums wired.

P2P lending

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. Thanks to the P2P lending platform development company they have 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

Unsteady cash flow caused by delayed payments is every entrepreneur’s worst nightmare. Many small and medium businesses have to face it on a regular basis. Invoice financing (or accounts receivable financing) resolves this issue by lending money against the amounts due from customers or debtors. Extra 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

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

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.

LendTech in focus

Apt software architecture and secure back-end paired with reliable API integrations can boost your loan processing potential. Competing on the market of loan software or more specific loan management software also means investing in speed. Fast digital onboarding can replace time-consuming manual customer verification. Accuracy is just as important. Top LendTechs spare no efforts to build unbiased analytical models, leveraging Big Data and Machine Learning or AI.

Flex Funding

Developing 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 product requirements, create a slick user interface, optimise UX and supply dedicated Angular developers.

Implementing a robust front-end helped Flex Funding achieve its main product goals. 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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A penny for their thoughts

Premila Stampe Head of Business Strategy
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.

See case study
Christian Schneider Co-founder

Code & Pepper has been very responsive to our business needs from the beginning. When new requirements emerged, they were both fast and diligent to provide us with candidates that fully met our requirements. 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
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.

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Why Code & Pepper?

Lending software development is hardly a game of chance.
If in doubt: bet on experience, talent and quality.

14 years
on the market

70+ software

4.6 score
on Clutch

Our clients are backed by industry leaders

Financial technology thrives best in a robust ecosystem of strategic partners.
Big players are leading the way but there is still room for tech-savvy disruptors. Join the fold!

Move your lending software development
in the right direction

Code & Pepper will guide your digital product through the rocky terrain of development. Ready for the ride?

Olga Pogorzelska
New Business