P2P Lending Platform
Enterprise software for launching and managing P2P platforms. The solution automates loan applications, matching investors with borrowers, and yield calculations, unifying all operations within a single platform.
Lending process automation tailored to your business goals and scale.
Flexible Configuration
Use a ready-to-go solution or adapt the system to your unique internal processes and regulations.
End-to-End Automation
Full lifecycle automation with seamless integration of third-party services and systems.
Cost Efficiency
Reduce operational overhead by automating key processes and improving overall workflow efficiency.
Customizable Business Processes Tailored to Your Needs
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Financial Core Engine
Yield & Payouts
Automated yield accrual for investors and payment processing for borrowers. Support for complex interest structures and full regulatory compliance.
Products & Offerings
Design and configuration of investment and credit products — from traditional loans to flexible portfolios with variable returns.
P2P Platform Workflow
P2P Platform Workflow
Unified Interface
Investors and borrowers operate through a single, unified interface: submitting applications, tracking payouts, managing balances, and accessing detailed real-time analytics.
Automated Application System
The platform automatically matches suitable offers, distributes investments or loans, and generates repayment schedules — with zero manual intervention.
Flexible loan parameter calculation with the ability to modify terms and offer alternative financing options to the customer.
Design and configure credit products, defining business rules, automated workflows, and manual intervention triggers.
Automated interest and penalty accrual, payment recalculation, status updates, and automated system-wide task execution.
Программное обеспечение подключено к множеству внешних источников данных, государственных служб, платёжных систем, лидогенераторов, рекламных и аналитических платформ, что обеспечивает удобный и непрерывный обмен информацией.
Customizable business logic and issuance workflows
Control tools and anti-fraud configuration
System Workspaces
Trusted by Leaders
We partner with top-tier financial and non-banking institutions delivering cutting-edge financial products and services.
Still have questions about the product?
A P2P platform connects borrowers and investors directly, without intermediaries. SPTNK software automates the placement of applications, the matching of investors and borrowers, and yield calculation on a single platform.
Invest in individual loans or in a portfolio, take part in bidding, view ratings, top up the account, and withdraw money. Auto-investing is available.
Apply for a loan, take part in bidding, receive and repay the loan, and view their own rating.
Automatically: the system accrues yield to investors and debits payments from borrowers. Complex interest schemes are supported.
The system automatically matches suitable offers, distributes investments and loans, and builds payment schedules without any operator involvement.
Business logic and issuance workflows, rules for calculating ratings and limits, staff roles and permissions, triggers and notifications, contract templates, loan statuses, and anti-fraud settings.