Small Business Lending Software

End-to-End Lending Platform for Small Business Financing

Neofin helps banks, fintechs, and credit providers launch and scale small business lending operations with automation, transparency, and speed. Whether you're issuing $5,000 working capital loans or $500,000 term loans, our system is built to support the full lending lifecycle.
Unlike consumer credit, small business lending requires custom workflows, entity-level document handling, and hybrid underwriting capabilities. That’s exactly what Neofin is built for.

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Designed for Lending to SMBs, Sole Traders, and Corporations

Neofin's platform is built specifically for credit origination, underwriting, and servicing for small businesses of all kinds.

Entity-Aware Onboarding:

Configure onboarding flows for sole traders, LLCs, corporations, and private entrepreneurs.

Dynamic Document Checklists:

Auto-generate required documents based on borrower type and loan product.

Multi-language Document Recognition:

Use LLM/NLP to extract structured data from PDFs in any language. Including income reports, tax filings, registration docs, and more.

Full Document Management:

Store all signed contracts, uploaded files, and communication history in a centralized, searchable archive.

Hybrid Underwriting Studio:

Combine automated rules with manual checkpoints for high-value loans or nuanced risk cases.

Multi-Tiered Risk Models:

Apply different underwriting and scoring models for different loan sizes (e.g., under $50K vs $250K+).

Complete Small Business Lending Workflow

Neofin handles the entire small business lending process on a single platform, from intake to repayment.

Application & Entity Identification

Branded borrower portal with onboarding tailored to entity type
Auto-detect business type (LLC, sole trader, etc.) via submitted documents or registry APIs
Pre-fill forms from uploaded documents using OCR & NLP

Document Recognition & Analysis

Parse and evaluate income statements, balance sheets, licenses, and bank statements
Multi-language LLM support with field mapping to underwriting rules
Catch anomalies and missing data before submission

Underwriting & Risk Evaluation

Rule-based engine plus manual review modes
Custom scoring logic per loan type, borrower profile, or geography
Approve instantly or assign to credit analyst based on complexity

Disbursement & Repayment

Set up disbursement terms, linked accounts, and repayment frequency
Real-time repayment tracking and auto-reminders
Adapt repayment plans to seasonality or business cash flow

Why Lenders Choose Neofin for SMB Credit

Capability	What You Get
Entity-Aware Lending	Different flows and scoring logic for sole traders, LLCs, and corporations
Document Intelligence	Auto-recognition of key financial and legal docs via OCR + LLM
Hybrid Underwriting Studio	Combine automated and manual decisioning without switching platforms
Risk Model Flexibility	Build multiple models based on loan size, term, geography
Secure Document Management	Store contracts, uploads, KYC data, and disclosures in one place

Who Benefits from Our SMB Lending Platform

Banks & Credit Unions

Launch modern digital business loan offerings without replacing core banking systems.

CDFIs & Community Lenders

Streamline lending to local businesses with lower overhead and better risk insights.

Fintechs & Alt Lenders

Serve entrepreneurs at scale, from microloans to working capital facilities.

Embedded Finance Platforms

Embed small business loans into SaaS, ERP, and eCommerce ecosystems.

Compliance & Integration-Ready

KYC/AML: Prebuilt modules to verify entities and individuals

Audit Trails: Full data history and document traceability

Banking Data: Secure connections to business accounts (Plaid, Salt Edge, TrueLayer)

Credit Checks: Equifax, Experian, TransUnion integrations

Payment Tools: Stripe, Payoneer, Wise for disbursement and repayment

FAQ: Small Business Lending Software

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What makes Neofin different from other small business loan software providers?

Neofin offers entity-aware lending with different flows for sole traders, LLCs, and corporations, plus advanced document intelligence and hybrid underwriting capabilities that combine automated and manual decisioning without switching platforms.

Can I customize onboarding flows for different types of small business borrowers?

Yes, our platform supports entity-aware lending with customizable flows based on business type, loan size, geography, and risk profile. You can create different onboarding experiences for different borrower segments.

How does your lending software for small business ensure compliance across markets?

Our platform includes built-in compliance features with secure document management, automated regulatory reporting, and configurable rules engines that can be adapted to different jurisdictions and regulatory requirements.

Get Started with Neofin

Digitize your small business lending in weeks.

Build high-performing, compliant lending flows for every type of borrower.

Request your personalized demo today.

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