Lending

Purchase finance

Deliver BNPL, point-of-sale, and embedded lending with instant decisions at checkout, powered by a cloud-native, API-first platform built for high-volume commerce.

Real-time purchase finance

Customers expect instant finance at the point of sale

Legacy lending platforms rely on batch decisions and rigid integrations, creating checkout friction. Mambu enables real-time approvals and embedded finance at scale.

Why lenders choose Mambu for purchase finance

Deliver embedded, real-time finance at checkout, with the flexibility to launch new credit models and scale across channels.

real time

Approve in real time

Approve customers through API-driven decisioning and connect directly into e-commerce, marketplaces, and POS.

launch faster

Launch credit faster

Configure BNPL, instalments, and revolving credit products without custom development or long release cycles.

scale

Scale across channels

Support e-commerce, in-store, and embedded lending with steady performance and high-volume reliability.

Purchase finance

Built for high-velocity finance

Configure credit products, automate high-volume lifecycles, and embed real-time finance directly into checkout and partner journeys.

Capabilities

Configurable credit products

  • BNPL, instalments, revolving credit models
  • Interest-free and interest-bearing structures
  • Configurable limits, fees, schedules, repayment rules
  • Low-code configuration for rapid product iteration

Lifecycle

Lifecycle management


  • Instalments, disbursements, and settlements
  • Refunds, reversals, and early repayments
  • Arrears, collections, and adjustments at scale
  • Consistent servicing across high-volume transactions

Integration

API-first integrations

  • RESTful APIs for real-time checkout orchestration
  • Event-driven workflows and webhooks
  • Integration with e-commerce, POS, and marketplaces
  • Connect to KYC, fraud, scoring, underwriting services

Payments

Payments, reconciliation, and compliance


  • Payment orders scheduled in the lending engine
  • Execution via the Payments hub
  • Automated collections and mandate management
  • Full audit, multi-currency support, and reporting


Customer stories

Leading lenders build the future with Mambu

Migrated its full financing portfolio to Mambu’s composable platform, accelerating product delivery while meeting strict Swiss compliance and data residency requirements.

4

months to first
live product

60%

faster product
setup

100%

data residency
in Switzerland

Lending products

One platform. Multiple lending models.

Run consumer, business, embedded, and mortgage lending on a single platform, and scale across products, markets, and use cases without changing your core.

people icon
Consumer lending

Build fast, transparent consumer lending experiences with automation and API-first loan orchestration.

business lending
Business lending

Scale SME and business lending products with flexible workflows and advanced lifecycle management.

retail mortgages
Retail mortgages

Support diverse mortgage products with robust collateral management and automated servicing.

Let's get started

Move forward
with Mambu

Clear next steps for organisations ready to modernise, scale, and build the future of finance with confidence.