Build credit products
without a bank sponsor

Credit products without a bank sponsor.
Offer a compliant credit product in weeks, not months.

Coverage and Scale

$4 Billion+

applications processed

1.5 Million+

transactions processed

90%+

for US consumers

95%+

for commercial

A new approach
to fintech products

Modular integrations to help with what you need.

User-friendly, developer centric approach

Our API-driven, full-stack “credit-as-a-service” infrastructure enables you to launch and scale credit products within your existing stack. No need to migrate, simply plug and play.

Leave the lending complexities to us

We abstract away the burdens of acting like a lending institution - regulatory compliance, licenses, origination, loan management, partner integrations, etc. - so you can focus on your core value propositions and customer experiences.

Customizable, modular, scalable solution

Bring your own KYC, fraud, and underwriting policies. It's easy to get started and customize them with scale.

Backed by investors from

Credit products shipped in weeks, not quarters

Consumer

Commercial

Credit Builder

Help your customers build a credit using microloans for daily purchases.

Credit Builder

Equity Lines

Extend liquidity based on users’ assets and improve retention and monetization.

Equity Lines

Buy Now Pay Later

Offer customers credit at better terms and improve transaction volume with a lending layer.

Buy Now Pay Later

View all

Supported by

Solutions tailored
to your industry

Get ahead of competitors.
Customized API to fit your needs.

Trucking

Improve retention and interchange revenue.

Healthcare

Give patients an alternative way of paying.

E-commerce

Increase loyalty and average order size.

Restaurants

Become their cash flow management partner.

Real estate

Offer home improvement loans for families.

Payments

Supercharge your payment solutions

Remittance

Make instant credit access within transfer flow.

Gig economy

Help gig economy workers build credit.

Farming

Add a credit solution for farmers.

Up and running with just a few lines of code

Simple integrations
Scalable APIs

Michael Broughton

CEO and Co-founder of Altro

“We were glad to spend time focusing on customer acquisition and experiences, while we trusted Onbo to make the backend complexities invisible
and frictionless.”