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Make any merchant your lender.
Plug & Lend and Credolab combine an embedded, modular lending platform with behavioural credit scoring, turning any business into a lender, with credit decisions made in real time at the moment of purchase.
type
Website
Business Model
Embedded Finance
Territory
Dominican Republic
what you get
Embedded lending + Behavioural insights and scores
What you will achieve
Six outcomes and benefits. Only from partnership with Plug&Lend and Credolab.
decisioning
Credit decision engine
A no-code platform for easy rule, scorecard and workflow creation.
faas
Funding as a Service
Real-time loan portfolio and cash flow analytics with automated eligibility rule reconciliation.
coverage
Score thin-file applicants
Behavioural data brings new-to-credit and unbanked merchants' customers into scope.
stack
Embedded in every use case.
Buy Now Pay Later, remittance advance, salary advance and any custom lending programme. All on one stack.
Privacy
Privacy-first by design
credoSDK operates on consented, anonymised behavioural metadata. No PII, no app content, no contacts.
Lifecycle
Own the full loan lifecycle
One stack covering onboarding, collection and funding. Turn any business into a lender without becoming one.
How it works: digital onboarding
Simplify the application process, reduce integrations, and save time for IT teams.
01
Embed at moment of purchase
Plug & Lend's modular solution is seamlessly integrated inside the merchant flow.
02
Integrate Credolab scores
Behavioural scoring from smartphone and web metadata returned in real time.
03
Decisioning engine
Approve, refer or decline. All in the same checkout session.
04
Loan lifecycle
Plug & Lend manages onboarding to collection and funding. Tailored to your needs and risk appetite.
Where Credolab sits in the journey
Identity, fraud and authentication stay with your existing stack. Credolab supplies the behavioural score, in the alternative-data lane, from proprietary device and interaction metadata — never personal data.
100%
Coverage — no thin-file gap
0%
Personal data processed
Get in touch with our partners
Check out
Plug & Lend
or connect with them directly.