What is Onbo?

Onbo is a Credit as a Service solution that allows fintechs to start offering their own credit solutions without the hassle of working with a traditional bank sponsor.

Packaging all the states

Lending licenses, compliance infrastructure, risk models, and even debt capital assets

Up and running in weeks

Rather than the typical 6-9 month time to enable a credit product

Credit in a box

We take care of the underwriting, servicing, and payments related to credit.

Single API
for everything credit

Most other “Credit as a Service” or “Lending as a Service” solutions provide just 1 or 2 of the components that Onbo offers. In order to extend credit in the United States today, you need a combination of:

  • the technology, a loan management system or “LMS”

  • the debt capital, and oftentimes overlooked

  • state lending licenses


Can I use my own origination / underwriting model?

What is the relationship between Onbo and Stilt?

What is the pricing?

What’s involved in the onboarding process?

How much debt capital can Onbo provide?

How do the underwriting models of Onbo compare to that of a traditional bank?

Am I free to set the pricing of any credit that my platform offers?

Contact us

Feel free to reach out with any questions about the pricing options and more