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Embedded lending.

Build your own credit product with funding, disbursement, and collection connected via API.

Credit.

Build your own credit product with funding, disbursement, and collection connected via API.

Credit.

Build your own credit product with funding, disbursement, and collection connected via API.

Building a credit portfolio from scratch means one provider for funding, another for disbursement, another for collection, and manual reconciliation among all three. It is expensive and slow to structure.

Building a credit portfolio from scratch means one provider for funding, another for disbursement, another for collection, and manual reconciliation among all three. It is expensive and slow to structure.

How it works

How it works

We structure the portfolio: conditions, rates, terms.

The loan is originated and disbursed via SPEI or in cash.

Collection is processed via Direct Debit, backed by SPEI and a cash network.

Key benefits

Key benefits

Funding, disbursement, and collection in a single platform.

Disbursement via SPEI or cash, covering both banked and unbanked customers.

Full visibility of the credit lifecycle: origination, payments, delinquency.

How the system decides

How the system decides

Risk analysis does not depend on the credit bureau alone: the system decides based on real transactional behavior data, which allows offering tailored conditions to each portfolio instead of a one-size-fits-all rule.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Where it is used

Where it is used

SOFOMs and portfolio originators, lending fintechs, companies that want to offer embedded credit in their checkout. If you prefer Monato to manage the entire portfolio for you instead of operating it yourself, that version is Credit Infrastructure.

A comprehensive infrastructure that solves technological, regulatory, and risk components, | its operation in a complete financial platform

Does your risk depend only on the credit bureau?

Does your risk depend only on the credit bureau?

SOFOMs, portfolio originators, and lending fintechs are already funding, dispersing, and collecting on a single platform, with conditions adjusted by real transactional behavior, rather than a one-size-fits-all rule.

SOFOMs, portfolio originators, and lending fintechs are already funding, dispersing, and collecting on a single platform, with conditions adjusted by real transactional behavior, rather than a one-size-fits-all rule.

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