Skip to content

With cloud, Scroll lays a foundation for growth

Success story

Scroll enables UK homeowners to unlock equity in their homes for use cases including home improvement, “green” upgrades, buying a holiday home, debt consolidation and deposit for property purchases.

Customer base

Launched in 2022

Segment

Mortgages

Mambu's role

Cloud banking platform

Founded by engineers in 2021, Scroll aims to bring the flexibility, speed and convenience of an unsecured lending application experience to homeowner financing. Its unique solution aims to process applications from initial enquiry to completion in just a few days, compared to the six or seven weeks of traditional home financing options.

scroll finance mambu

Customers can borrow between £25,000 and £1 million at competitive rates, up to an 80% loan to value ratio, and Scroll has already completed its first loan.

Ashish Kashyap, CEO and co-founder of Scroll Finance, said, “We want to be in charge of building a great lending experience for our customers and a key component of that is having full control over the entire life cycle of a loan, from initial enquiry to pay out to servicing and collections. Coupled to this desire of control, is a requirement to develop in a fast, flexible way to adapt to our unique take on global home financing solutions. This is exactly what Mambu offers.”

Watch: Video with Ashish Kashyap, Co-founder & CEO at Scroll Finance, Vaibhav Tiwari, Co-founder & CPO at Scroll Finance, and Shelley Morris, Customer Success Manager, Mambu.

Building on Mambu’s composable technology foundation gives Scroll Finance the flexibility and control to choose from ‘best-of-breed’ components. This enables the fintech to deliver distinctive customer experiences with no vendor lock-in and wholesale re-platforming. Mambu’s cloud native architecture also ensures an intuitive and responsive journey for Scroll’s customers and brokers.

We want to be in charge of building a great lending experience for our customers and a key component of that is having full control over the entire life cycle of a loan, from initial enquiry to pay out to servicing and collections.
Ashish Kashyap
CEO & Co-founder

With rising demand for sustainable finance, Scroll plans to offer “green” solutions which help make UK homes more energy efficient. This offering sits alongside a packed product roadmap of innovative and wide-ranging home finance options. Mambu’s API-enabled platform will facilitate this continuous improvement by rapidly configuring and deploying new products, giving the fintech a unique competitive edge in a short space of time.