A line of credit is a flexible loan that gives borrowers access to a set credit limit, which they can draw from as needed, rather than receiving a lump sum upfront.
Unlike traditional installment loans, credit lines offer dynamic usage, interest-on-use, and rolling repayment terms.
In 2025, demand for lines of credit is growing rapidly. Small businesses prefer the flexibility and transparency of lines of credit to payday loans or rigid BNPL models.
For lenders, it’s a smarter way to manage risk, serve more use cases, and boost retention through ongoing engagement.
Our Line of Credit Software Solutions Covers It All
Neofin helps lenders launch modern line-of-credit products fast. With everything built-in for underwriting, drawdown logic, repayments, and risk controls
Our platform includes:
Pre-built product templates for credit lines in our no-code Product Builder
Automated KYC/AML, scoring, credit limits, and interest modeling
Configurable repayment cycles, draw triggers, and grace periods
Live analytics for utilization, delinquency, and portfolio performance
API integrations with payment gateways, credit bureaus, and core systems
Build and test in hours. Launch in days.
Scale across markets - without code.
Designed for Modern Credit Management
Control
You will have full control of every credit operation. Limit usage to set custom limits, define usage rules, and track client behavior in real time. Our product, a line of credit software, gives you a tool to lessen risk while making informed decisions.
Automation
Streamline your credit management with advanced automation. Every step of the process from application processing to balance updates and payment reminders is designed to cut down on manual, prevent errors, and save time.
Transparency
Earn your marks of trust based on your clear, real-time data visibility. Clients and teams can quickly track all transactions, credit available, and payment schedules. The records are transparent and audit-ready, which makes it easier for them to comply and helps inform decisions at every level.
Full Lifecycle Loan Management for Credit Lines
Neofin provides end-to-end loan management for credit lines. Our platform manages the entire credit cycle:
Line of Credit Origination and Underwriting:
Create fast, compliant onboarding flows with integrated KYC, scoring, and document upload. Use income, credit, and bank feed data to auto-approve or route to manual review.
Launch new credit accounts in days
Support custom approval rules per borrower type
Adapt scoring to local regulations and entity types
Use automated underwriting to minimize manual checks
Real-Time Usage & Repayment Tracking:
Track every draw, interest calculation, and repayment. Our borrower portal shows live credit utilization, due dates, and auto-pay options.
Set up payment terms that align with your business model and customer needs. Define grace periods, interest-only phases, and rollover logic.
Custom Interest Models
You have your interest structures, either fixed, variable, or tiered. It is easily configurable as to how and when interest is applied. The interest is calculated transparently and consistently on all borrower accounts.
Deep Integrations
Our line of credit software solutions automatically integrates with core banking systems, CRMs, account tools, and payment gateways. The open API allows us to have a smooth flow of data and a faster time to market for new features or updates.
Real-Time Analytics
Track utilization trends and repayment performance to optimize risk
Smart Alerts
The software ensures that you are always up-to-date with current changes. It automatically sends notifications about new loans, repayments, defaults, and other events
Our line of credit software is suited for teams with or without in-house developers. With our no-code logic builder, credit managers can create and modify workflows on their own.
Who Benefits from Our SMB Lending Platform
Banks & Credit Unions
Add revolving credit products without core replacement
Fintech Lenders
Power flexible SMB credit lines and embedded lending solutions
Alternative Lenders
Expand revenue streams via cash advance and hybrid credit offerings
Microfinance Institutions
Support underserved segments with responsible credit tools
Loan types supported:
Revolving credit lines
Merchant cash advance
Consumer lines of credit
Hybrid credit models
Merchant cash advance
Ready for Integration, Built for Scale
Open API access
for origination, repayment, and account management
Plug-and-play integrations
with CRMs, ERPs, and core banking software
Multi-region support
with customizable rules per market or borrower type
Our platform grows with you. Whether you're launching in one region or ten, Neofin keeps you agile and compliant.
Secure and Compliant by Design
End-to-end encryption
Role-based access control
PCI DSS and ISO 27001 alignment
Audit logs for every transaction and decision
Secure infrastructure for high-volume lending operations
Launch Your Line of Credit Program with Neofin
Bring your credit product vision to life. Launch smarter, flexible lending workflows on a platform built for growth.
Request a Demo- Start Today!
Want to discuss more? We are here for you. Schedule a call of book your demo!
