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Lending Overview

Solaris offers financing solutions that separate buying from paying, giving your customers greater control over their financials.

Each Solaris Lending product has a dedicated integration guide for specific customer segments (retail, freelancer, and business).

Non-German Branches

If you use a non-German Solaris branch in your solution, consult your partner manager to verify the requirements for each Lending product in your jurisdiction.

Consumer loans

The Solaris consumer loans product enables you to offer loans to your retail customers. Using the API and an automated credit scoring system, you can create loan applications, identify customers, issue payouts, and maintain consumer loans.

Consumer Loans Guide

Learn how to create loan applications and issue payouts for retail customers.

Fronting

The Fronting product allows you to offer loans to your customers by leveraging the Solaris banking license. Solaris acts as the fronting bank, handling functions that require a license, such as customer identification (KYC/BKYC), credit risk checks, and loan payouts.

After payout, Solaris sells the loan agreement and receivables back to you or other investors. Note: Fronting loans do not involve servicing activities from Solaris, such as collection or dunning.

Business Fronting Loans

Fronting loans for business entities.

Business Fronting Factoring

Factoring solutions for business receivables.

Consumer Fronting Loans

Fronting loans for private individuals.

Overdrafts

An overdraft is a credit facility linked to a Solaris current account that allows account holders to make withdrawals or payments even if their balance is zero.

Unlike Fronting, the Overdraft product includes full lifecycle servicing via API, allowing you to handle limit increases, interest rate updates, and termination programmatically.

Business Overdrafts

Credit lines for business accounts.

Consumer Overdrafts

Credit lines for personal accounts.

Freelancer Overdrafts

Credit lines for freelancer accounts.

Splitpay

Solaris Splitpay is a revolving credit product that combines a credit line with single installment loans to offer a "Buy Now, Pay Later" model.

Consumer Splitpay

BNPL solutions for private individuals.

Freelancer Splitpay

BNPL solutions for freelancers.

Trade Finance

Trade Finance enables your business customers to finance their trade purchases using a trade credit line issued by Solaris.

Trade Finance Guide

Finance trade purchases with a Solaris credit line.

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