# Fronting Overview

Fronting is a financing model where Solaris acts as the licensor and intermediary between two parties. As a fronting bank, Solaris enables you to offer financing solutions to your customers without holding a full banking license yourself.

**How it works:**

1. **Origination:** Solaris, as the fronting bank, handles the regulated functions: customer identification (KYC/BKYC), credit risk checks, and loan payout.
2. **Sale:** Immediately after payout, Solaris sells the loan agreement and receivables back to you or a third-party investor.
3. **Servicing:** You (the partner) handle all servicing activities, such as collection and dunning. Solaris does not service fronting loans.


## Available Fronting Products

Solaris offers the following fronting solutions. Select a product to view its integration guide.

### Business (B2B)

* [**Business Fronting Loans**](/guides/lending/fronting/business-fronting-loans)
  * *Availability:* Germany, France.
* [**Business Fronting Factoring**](/guides/lending/fronting/business-fronting-factoring)
  * *Availability:* Germany (Receivables factoring).


### Consumer (B2C)

* [**Consumer Fronting Loans**](/guides/lending/fronting/consumer-fronting-loans)
  * *Availability:* Germany (Retail customers).


## API Reference

* [Consumer Fronting API](/api-reference/lending/fronting/#tag/Consumer-fronting)
* [Business Fronting API](/api-reference/lending/fronting/#tag/Business-fronting)