Credix Business
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NEW Modular B2B Lending Infrastructure for European FinTechs

The Operating System for Modern B2B Lending & Credit

Originate, underwrite, and service commercial loans, factoring, BNPL, and revolving credit lines in weeks. Native multi-tenant isolation, real-time risk decisioning, and regulatory audit compliance out of the box.

Explore Product Engines
https://credix.credix.business/products/definitions
CredFlow Core v4.1
Active Portfolio
€48,250,000
↑ +14.2% this month
Avg. Decision Speed
840 ms
⚡ Instant Scoring
Active Tenants
34 FinTechs
🔒 RLS Isolated
Default Rate
0.38%
↓ 45 bps below market

Configured Credit Product Engines Acting Tenant: Credix Europe

Product Code Product Name Category Base Rate Term Range Status
LOAN-001 Secured Commercial Loan Term Loan 4.25% + EURIBOR 12 – 84 Months ACTIVE
BNPL-001 B2B Buy Now Pay Later Split Checkout 0.00% (Fee Based) 30 – 90 Days ACTIVE
FACTOR-001 Invoice Factoring Advance Factoring 1.85% Discount Up to 120 Days ACTIVE
LINE-001 Revolving Credit Facility Credit Line 5.10% Floating Renewable / 12M EXPANDING

€1.5B+

Origination Flow Processed

< 900ms

Sub-Second Risk Underwriting

6 Native

Pre-Built Credit Product Engines

99.99%

High-Availability Enterprise SLA

COMPREHENSIVE LENDING ARSENAL

Six Specialized Credit Engines, One Unified Ledger

Everything financial institutions need to launch diversified lending products without writing custom core banking software from scratch.

💼

Commercial Term Loans

Structured amortizing business loans with flexible balloon, linear, or annuity repayment schedules. Configurable base rates (EURIBOR, SOFR) and custom fee matrices.

  • Fixed & Floating Base Interest
  • 30E/360 & Actual/365 Conventions
  • Early settlement penalty calculations
⚡

B2B Buy Now Pay Later

Embed instant installment financing directly inside enterprise eCommerce checkouts, procurement portals, and wholesale billing systems.

  • Instant buyer credit decisioning
  • 30, 60, or 90 day split tranches
  • Automated SEPA direct debit sweeps
🔄

Revolving Credit Lines

Flexible working capital facilities. Borrowers draw down, repay, and re-borrow as needed while interest accrues solely on drawn balances.

  • Daily balance calculation engine
  • Unused line commitment fees
  • Automated covenant compliance gates
📄

Invoice Factoring & Discounting

Advance capital against outstanding B2B receivables. Automated debtor limits, advance ratios (70%-90%), and collection fee reconciliations.

  • Automated verification & OCR ingestion
  • Recourse & non-recourse workflows
  • Multi-currency receivable netting
🚛

Capital & Equipment Leasing

Heavy equipment, vehicle fleet, and industrial machinery financing. Handles depreciation schedules, residual values, and option-to-purchase flows.

  • Asset collateral lifecycle tracking
  • Residual value amortization
  • Insurance & maintenance fee bundling
🏦

High-Yield Business Deposits

Attract institutional liquidity with tiered deposit products, customizable term lockups, compounding interest brackets, and automated tax withholding.

  • Tiered amount & period interest steps
  • Automated withholding tax rules
  • Premature withdrawal penalty handling
MEASURED BUSINESS IMPACT

Calculate Your Origination & Efficiency Gains

Estimate the operational savings and turnaround speed your institution can achieve by migrating legacy origination pipelines to Credix.

€5.0M
€500k €15M €30M+
12 Days
2 Days 15 Days 30 Days

* Calculations based on automated parsing, multi-bureau risk decisioning, and programmatic contract generation benchmarks across European B2B lenders.

Monthly Operational Savings
€31,900
New Underwriting Speed
< 4 Mins
Straight-Through Processing Rate
86%
ENGINEERED FOR BANK-GRADE TRUST

Architected for Extreme Security & Multi-Tenancy

Built on PostgreSQL Row-Level Security, Spring Boot reactive core, and subdomain-derived cryptographic tenant isolation.

PostgreSQL Row-Level Security (RLS)

Tables enforce current_tenant_id() at the database engine level. Impossible for one institution to leak data into another, even under query flaw.

Subdomain-Deriving Identity Planes

Each tenant gets its own dedicated subdomain (e.g. swedbank.credix.business). Auth cookies are strictly host-scoped with zero cross-tenant contamination.

Append-Only Immutable Event Ledger

Every loan status transition, credit limit update, and interest recalculation writes to a permanent, auditor-ready event log.

High-Throughput Open Banking APIs

RESTful APIs with comprehensive OpenAPI / Swagger documentation for effortless core-banking and CRM integrations.

Core Architecture Blueprint RLS Policy Enforcement 
-- Zero-Trust PostgreSQL Tenant Isolation
CREATE POLICY tenant_isolation_loans
    ON credit_application
    FOR ALL
    USING (tenant_id = current_tenant_id())
    WITH CHECK (tenant_id = current_tenant_id());

// Spring Boot Multi-Tenant Context Resolution
public class HostTenantResolver {
    public Optional<UUID> resolve(HttpServletRequest req) {
        String slug = slugOf(req.getServerName(), "credix.business");
        return resolutionService.resolveSlug(slug);
    }
}

# Instant API Response (<850ms)
"decision": "APPROVED",
"max_credit_limit": 250000.00,
"risk_tier": "AAA",
"tenant": "credix-europe"

Ready to Power Your Lending Infrastructure?

Join forward-thinking banks and FinTechs transforming corporate credit delivery. Start in our sandbox today.

Schedule an Architecture Demo