Lending Advisory Services
Embrace technology to grow lending, reduce NPLs, and automate processes.
Scale with data-driven insights
Rapid changes in clients, markets, and lending technology disrupt consumer and corporate lending.
Reaching borrowers with personalised product, at the right time and price demands enhanced data, user experience and loan automation.
Achieving this economically and compliantly is a challenge, especially as changing risk and interest rate conditions impact.
Lending advisory services improve effectiveness across the loan life cycle, blending strategy, regulatory and technology solutions for performance at scale.
growth in NBFI lending, 2025
global lending market, 2023
listed fixed income, 2023
global P2P lending, 2023
Sectors we Serve
We work with clients across the lending industry.
01
Asset Backed
02
Banks
03
Credit Unions
04
Crowdfunding
05
Online
06
Peer-to-Peer
07
Retailers
Our Services
Lending advisory services to enhance your business.
FinTech Strategy
Capitalise on emerging product, market, and technology opportunities with industry data and expert insights.
Lending Regulation
Secure licenses in the EU and UK in a capital-friendly manner, meet your compliance obligations.
Technology Sourcing
Source competitive deals from reliable analytics, portfolio management, and lending technology companies.
Business Model Change
Optimise operating and revenue models with advice on growth, transformation and loan automation.
Risk Management
Integrate policies, processes, and procedures to mitigate credit, liquidity, market, and operational risks.
Coverage
We have expertise across the lending industry.
| Loan Products | Repayment Schedules | Fees and Interest | Lending Technologies |
|---|---|---|---|
| Asset Backed | Amortising | Commitment Interest | Artificial Intelligence |
| Bonds | Annuity | Custom | Blockchain |
| Business Lending | Balloon | Fixed Interest | Client Engagement |
| Buy Now Pay Later | Bullet | Monitoring Fee | Core Banking |
| Charge Card | Custom | Penalty Fee | Credit Scoring |
| Consumer Credit | Fixed | Penalty Interest | Custom Software |
| Green Loans | Repayment Holiday | Processing Fee | Loan Management Systems |
| Hire Purchase | Restructure | Reschedule Fee | Mobile Apps |
| Invoice Finance | Variable | Security Fee | RegTech |
| Leasing | Variable Interest | ||
| Microfinance | |||
| Mortgage | |||
| Overdraft | |||
| Payday Loan | |||
| Private Placement | |||
| Revolving Credit | |||
| Short-term Loan | |||
| Slice | |||
| Structured | 极 | ||
| Term Loan |
Sure can help you secure a lending license. We provide a comprehensive solution, including which license and jurisdiction are optimal, business plan development, sourcing of lending technology, preparation of license applications and regulatory engagement. We assist with ongoing compliance matters.
Embedded credit is lending which is integrated into non-financial processes and platforms, such as eCommerce. Customers borrow at the point of sale rather than via a separate workflow or lender. Embedded credit improves customer experience, merchant conversion rates, and average ticket sizes. Embedded credit requires loan automation to make the process of KYC, credit scoring, payout and loan management seamless.
Buy Now, Pay Later (BNPL) is a form of embedded credit where the cost of a purchase is split into several fixed instalments repaid over a short term. BNPL loans are typically interest-free, making it attractive for eCommerce, where the alternative is buying using a credit card. BNPL providers make money by charging the retailer a merchant fee and the borrowers penalty fees and interest.
Interest rates in the Eurozone are falling from 2024 peaks, making borrowing more affordable but reducing the spread on deposits. Credit policies are tightening in many consumer and corporate segments due to weak economic conditions. Adoption of AI improve risk analysis, loan automation, and assets:liabilities.
It pays to be Sure
From start-up scale, Sure is by your side.