Custom lending software development company

We build custom lending software solutions that help lenders of all sizes streamline their operations, improve efficiency, and reduce risk.

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We create software that streamlines lending operations

Loan origination software development

Automate tedious loan origination processes, from fraud detection to application processing with our lending software development services.

Collateral management
Collateral management solutions

Automate collateral management processes, from eligibility checks to margin calls, and streamline your operations for greater efficiency.

Credit scoring, risk assessment & risk management
Credit scoring, risk assessment & risk management

Develop algorithms and systems for automated credit scoring and risk assessment. Predict risks and streamline the loan approval process.

Customer Relationship Management (CRM) and Business Intelligence (BI)
Customer Relationship Management (CRM) and Business Intelligence (BI)

Build stronger connections with your borrowers through CRM tools. Transform loan data into actionable insights with our BI solutions.

Loan management solutions
Loan management solutions

Gain control over your entire loan portfolio. Track payments, delinquencies, and other key metrics with our loan management solutions.

Mobile lending apps and digital channels
Mobile lending apps

Expand your lending reach. Build mobile apps for borrowers & allow them to access loan information, make payments, and manage their accounts on the go.

Loan analytics software
Loan analytics software

Analyze loan data for informed risk management and strategic planning. Identify profitable opportunities and optimize your lending portfolio.

Loan servicing software

Enhance customer satisfaction and reduce costs by automating loan servicing tasks, such as payment processing and statement generation.


Alternative lending platforms
Alternative lending platforms

Explore new market opportunities & create innovative loan platforms for non-traditional lending models, including P2P lending and crowdfunding.

Robo-advisors and automated investment platforms
Robo-advisors and automated investment platforms

Provide personalized financial advice and make informed investment decisions with our AI-powered robo-advisors.

Our lending software development process

This is how we work



  • Budget Consulting
  • Strategy Consulting
  • Product Discovery Workshop

Discover & Define

  • UX Research
  • Product Roadmap
  • UX Design
  • UI Design

Deliver & Scale

  • Product Development
  • DevOps Architecture
  • Continuous User Feedback & Delivery


  • Recruit your own team with our help

Choose a trusted lending software development partner 

We helped 80+ companies, including UK's digital banks, with their struggle in designing, building, and managing their web and mobile apps.

Frame 9-1

Atom Bank: Establishing an entirely new, remote team for the UK’s first fully digital bank

Atom Bank was looking for a solution that could increase their ability to deliver business changes fast. We've provided experienced, high-quality programmers to complement the existing UK team and add engineering capacity.

Read The Case Study
Eldorado_case study

El Dorado: Delivering the first version of a fully operational P2P cryptocurrency exchange to help fight hyperinflation in 3rd world countries

We've delivered a fully operational P2P Cryptocurrency Exchange to help people in 3rd world countries fight hyperinflation.

Read the case study

Why develop your lending software solutions with us?

We're your partners, not just software providers.

We create software that propels your forward, makes a real impact, and fulfills your needs.

Contact us
Financial industry expertise

Financial industry expertise

We've been building fintech solutions since 2014. Work with a development team that know the ins and outs of finance web & mobile development.

Modern development with Agile

Modern development with Agile

The apps we build undergo multiple releases during development. With it, we reduce the risk of major bugs and deliver robust solutions for the loan industry.

End-to-end loan software development

End-to-end development

UX research and design, product management, software development, and support - we offer a comprehensive pack of services for each project's life cycle stage.

Support and maintenance

Support and maintenance

Our continuous IT support helps maintain the fluidity and efficiency of your lending solution.

We ensure security and regulatory compliance

Technical expertise alone is not enough in such highly regulated sectors as fintech and banking.
We understand the unique challenges and requirements of the finance industry.
That’s why we ensure the lending solutions we develop is always secure and compliant with all the fintech regulations and standards.



Basel III
Basel III








Accounting software development FAQ

Everything you need to know about lending software development before partnering with software developers.

What types of lending are there?

There are several ways to classify the different types of lending. One common approach is to classify loans by purpose. This includes categories such as:

  • Commercial lending: Loans for businesses to finance their operations or expansion, e.g. syndicated lending.

  • Consumer lending: Loans for individuals to finance personal expenses, such as purchasing a car or home.

  • Mortgage lending: Loans for individuals to purchase real estate.

  • Education lending: Loans for students to finance their education.

Another common approach is to classify loans by collateral. This includes categories such as:

  • Secured loans: Loans that are backed by collateral, such as real estate or equipment.

  • Unsecured loans: Loans that are not backed by collateral.

A third approach is to classify loans by repayment structure. This includes categories such as:

  • Term loans: Loans that are repaid with fixed payments over a set period of time.

  • Revolving credit: Loans that allow borrowers to borrow up to a predetermined credit limit and repay the balance at their convenience.

What is lending software?

Lending software is a type of software that helps financial institutions automate and manage the loan origination and loan servicing processes.

It can be used to streamline the application process, manage credit checks, and track loan payments.

Who are our lending software development services for?

We provide lending software development services to a variety of financial organizations, including:

  • Traditional and digital-only banks

  • Consumer and commercial lenders

  • Insurtech startups

  • Brokerage and leasing companies

  • P2P/POS lenders and marketplaces

  • Microfinance and PDL lenders

  • Credit unions

  • Other types of lending institutions

What are the benefits of custom lending software?

There are many benefits to building lending software, including:

  • Lending process automation: Custom lending software can help reduce the risk of errors by automating manual operations. Ultimately, it enables you to improve your business processes and reduce operational costs.

  • Meeting your business needs: Custom lending software is designed to meet the specific needs of your business. This means that it can be tailored to your specific products, services, and processes. Whether you need to build a lending app from scratch or integrate your platform with third-party services, we can help.

What's the lending software development cost?

The cost and time to develop lending software depend on the specific requirements of the project. In general, building an MVP (minimum viable product) takes us on average 3 months and roughly $90k.

To learn more about our MVP-building process, read this guide:

How long and how much does it take to build an MVP in 2023?

Don't hesitate to contact us for tailored time and budget estimates of your lending software development.

What collaboration model do you offer?

Our main collaboration model is a dedicated development team - we put together a team of experienced developers just for you to work on your  lending software project.

The dedicated development team model offers cost-effectiveness, faster development, higher quality, improved communication, and greater flexibility.

Apart from that, we offer outsourcing services.

Can I get free consulting?

Yes, we offer a free consultation to discuss your needs and goals for your loan software solution - just contact us through the form below.

I don't want development yet - what can you offer?

If you're not ready to start lending software development, you might want us to carry out a Product Discovery Workshop for you.

A Product Discovery Workshop is a collaborative session where we - together with you as our client, based on our experience building 80+ digital products - define what needs to be done to make your product successful.

If you want to learn more about the workshops (scope, cost, agenda & more), read this article:

Product Discovery Workshop: Everything you need to know

What our fintech clients say about working with us

I'm impressed by how flexible Pragmatic Coders is (...). Culturally, they're a really good fit for us, and the team is very responsive to feedback. Whenever I ask them to do something, they look at it, and they're not scared to push back. I've found it very easy to work with them — we have more of a partnership than a client-supplier relationship. 

Simon Dawson

Simon Dawson

Head of Engineering, Atom Bank

The entire focus was on the product and the customer, and I loved it. (...) The team was turning up with solutions to problems I didn't know we had.

tony kelly

Tony Kelly

Core Team Member, Common Wealth

(...) Pragmatic has highly skilled engineers available immediately but most importantly, passionate people who love what they do and learn new things very quickly. I recommend Pragmatic Coders to anyone who requires expert software development no matter the stage of their business.


Pawel Oltuszyk

CEO, Frost

We used to work in a very fast and dynamic way, made decisions quickly, based on data and research. We found out quickly that often software development teams aren’t so dynamic in the delivery of the agreed scope. We contacted and tested the cooperation with a couple of them. Finally, we found the perfect match – Pragmatic Coders.

Sylwester Szczepanek

CEO, Exchangecoin

It’s very notable that they were able to kind of challenge our views on how we should build trading software. (...) Also, the relationship that exists between their product owner and their development team is extremely good. If I were to start BLOC-X again, I would make the same choice in choosing Pragmatic Coders.


Andrew Toumazi


Let’s talk

We've got answers on anything connected with software development.

Ask a question

You can ask us a question using the form below. We will respond as soon as possible.

Schedule a meeting

You can also schedule an online meeting with Wojciech, our Senior Business Consultant.

Wojciech Kniżewski
Senior Business Consultant
8 out of 10

founders who contacted us wanted to work with our team.

Trusted partner

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