Fronting Overview

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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
  • Availability: Germany, France.
• Business Fronting Factoring
  • Availability: Germany (Receivables factoring).

Consumer (B2C)

• Consumer Fronting Loans
  • Availability: Germany (Retail customers).

API Reference

• Consumer Fronting API
• Business Fronting API