Ship loans at the speed your borrowers expect.
The core banking platform behind digital lenders that scale from thousands to millions of customers, without rebuilding their stack at every stage of growth.
Speed wins the borrower. Control protects the portfolio.
Digital lending is a speed game, the borrower who needs working capital before the weekend market can't wait three days. But speed without control destroys a loan portfolio. Oradian is built for digital lenders that need both: fast enough to win the customer, governed enough to build a portfolio that doesn't collapse under its own weight.
Built for the realities of digital lending at scale.
Real-time decisioning that actually works.
Approval workflows connected to live transaction history, behavioural signals, bureau data and alternative sources, so decisions are made on what's true right now. Scoring models that update in real time. Disbursement that follows approval without manual steps in between.
- Live data, not stale snapshots
- Models that update continuously
- Approval to disbursement, end to end
Mobile-first by design, not retrofit.
Open APIs that connect naturally to the mobile applications your borrowers use, no awkward middleware, no translation layers that break under load. The lending flow your product team designs is the flow your borrowers experience, end to end.
- Clean API surface for mobile teams
- No middleware tax
- Designed flow = shipped flow
Portfolio visibility that doesn't lag.
Live visibility into performance, delinquency, concentration and cohort behaviour, sliced however your risk team needs, updated in real time, accessible without querying the production core. Database Access puts your risk team ahead of the problem.
- Real-time portfolio analytics
- Off-core replica for risk teams
- Cohort and concentration insight on demand
Product velocity without engineering bottlenecks.
Launch, adjust and retire loan products without raising engineering tickets. Parameterise rates, schedules, fees and eligibility. Build custom logic through Custom Code when configuration isn't enough.
- Product team owns parameters
- Custom Code for non-standard logic
- No vendor release cycle dependencies
Renewal that feels like a reward.
A borrower who repaid three loans on time should find the fourth easier than the first. Pre-populated forms, reduced documentation and faster decisioning for known borrowers, all configurable, and consistently correlated with higher repeat rates and lower cost per funded loan.
- Pre-populated repeat applications
- Faster decisioning for known borrowers
- Higher repeat rate, lower CAC
Scale without operational chaos.
The architecture that works at 10,000 active borrowers also works at 10 million. Cloud-native, horizontally scalable, with no manual scaling procedures when a campaign drives unexpected volume. Your infrastructure ceiling should not be your growth ceiling.
- Horizontal cloud-native scaling
- No manual scaling procedures
- Campaign-proof under load
From application to funded borrower and back again.
Acquire and onboard
Open APIs connect to your KYC providers and alternative data sources. Real-time BVN/NIN in Nigeria, biometric e-KYC in the Philippines, equivalents in each market. Progressive data collection reduces drop-off.
Decide in real time
Scoring workflows pull from live transaction data, bureau data and alternative signals simultaneously. Your risk team owns the rules and adjusts them as portfolio performance dictates.
Disburse without delay
Approval triggers disbursement automatically. Payment rail integrations, InstaPay, PESONet, NIP, are pre-built. Approved to funded is measured in minutes.
Monitor continuously
Database Access gives your risk and analytics teams real-time visibility. Early warning models flag at-risk borrowers 30, 60 days before delinquency.
Retain and grow
Renewal flows are simpler for known borrowers. Proactive engagement is triggered by behavioural signals, not broadcast schedules. Upgrades surface when the data says the borrower is ready.
What digital lenders have built on Oradian.
Esquire
Philippines
Tripled their loan portfolio in three years. Approval times moved from days to hours, with real-time risk monitoring their previous stack couldn't support. $1B valuation reported by Bloomberg in 2025.
Salmon
Philippines
Live in under 6 months with mobile-first credit, real-time notifications and custom workflows. Reached 90%+ customer engagement via the mobile app within 2 months of launch.
FairMoney
Nigeria & multi-market
Scaled to 15M+ active accounts across Nigeria, Uganda and Zambia on one platform. Launched FairSave and FairLock within 8 weeks of contract signing.
Launch the next category-defining lending business.
From first product to multi-market, on one core. Talk to our lending team about your roadmap.
Talk to our lending team