Build a digital lending product
From live quote to settled loan — for brokers, merchants or direct consumers. Describe your lending product and get a clickable prototype.
Digital lending is won or lost in the application flow: every extra form field, manual document chase or overnight approval bleeds conversion. The lenders that grew fastest — Klarna, Plenti, Wisr — built flows where a borrower goes from quote to conditional approval in one sitting, and where brokers and merchant partners get their own tooling rather than a PDF form.
Kobble's AI builder designs that flow for your product: live quoting, soft-credit pre-checks that don't scar a credit file, affordability assessment, e-sign contracts and settlement tracking, plus repayment schedules and hardship tools for the life of the loan. The prototype covers borrower, broker and back-office views.
What you can build
Live quote and soft-credit pre-check
Borrowers see a real rate before committing, with a soft enquiry that protects their credit file and your conversion rate.
Digital affordability assessment
Bank-statement retrieval and document upload feed an affordability check that returns instant conditional approval for clean files.
E-sign contracts and settlement tracking
Loan documents execute digitally and both borrower and broker watch settlement progress rather than phoning for updates.
Repayments and hardship tools
Scheduled repayments, early-payout quoting and structured hardship flows — the servicing layer regulators expect to see.
Broker and partner dashboards
Brokers and merchant partners submit, track and manage applications in their own portal, with commissions visible.
Powered by Kobble modules
The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.
- Loan origination
- Credit & affordability checks
- Bank-statement retrieval
- E-sign contracts
- Repayments
- Broker dashboards
How it works
- 1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
- 2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
- 3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.
Frequently asked questions
What lending models does the builder support?
Direct-to-consumer, broker-originated and merchant point-of-sale lending — describe your distribution in the prompt and the prototype models the right flows and dashboards.
Does this cover responsible lending obligations?
The builder produces a compliance pathway covering the assessment and servicing capabilities your design needs. Credit licensing depends on your product and structure, which is confirmed in scoping with Kobble.
Can borrowers really get approved instantly?
Clean applications with verified income data can receive instant conditional approval; edge cases route to manual review. The prototype shows both paths.
What happens after settlement?
The prototype includes the servicing experience: repayment schedules, statements, early payout and hardship flows — the part of lending most builds forget.
Related solutions
Digital banking
Savings, transactions, cards and lending in one mobile-first experience. Describe the bank you want to see and get a clickable prototype.
Embedded payments
Accept payments, hold balances and pay out — inside your existing product. Describe the flows you need and see them as a clickable prototype.
Spend management
Team cards, approval workflows, receipt capture and real-time budgets — describe the spend platform you want and see it as a clickable prototype.
Build a digital lending product
Describe it in a sentence. See it as a clickable prototype in your brand — then take it live in around 8 weeks on Kobble.
Start building — it's free