Engage SMEs, make better credit decisions and improve portfolio performance.


Fractal Solution Fractal Solution







Customer engagement

Give your SMEs meaningful and actionable insights and cross-sell relevant products.

Credit applications

Increase completed credit applications by quickly iterating on the application process and by leveraging Fractal’s integrations with Accounting platforms, Open Banking etc.

Credit decisioning

Reduce loan defaults by getting permission-based access to SME data. Access data and insights to help you make better credit decisions.


Customer engagement

Give your SMEs meaningful and actionable insights and cross-sell relevant products.

Credit applications

Increase completed credit applications by quickly iterating on the application process and by leveraging Fractal’s integrations with Accounting platforms, Open Banking etc.

Cross Sell Products

Increase revenues by promoting contextual products and services.

Contact us for a bespoke quote

14 day free trial
Fractal Labs Ltd is regulated by the FCA

Client engagement

Client engagement

Increase Net Promoter Score (NPS)
  • Maintain customer relationship
  • Engage clients with easy-to-use cash management tool
  • Configure offers and nudges. using rules engine
  • Promote products in context
Client engagement

Credit applications

Improve loan conversions by quickly iterating on the funnel
  • Better access to data
  • Historical banking and accounting info (if available)
  • Gov tax data (if available)
  • Configure questions and flow
Credit scoring

Credit scoring

Reduce loan defaults
  • Faster credit decisioning
  • Cash flow profile
  • Proprietary credit scoring engine
  • Automated forecasting
Digitising debt issuances

Digitising debt issuances

Save time and reduce costs
  • Link loans to underlying data
  • Configure loan templates with natural language bot
  • Store digitally signed contracts
  • Precursor to securitisation
Tracking and monitoring

Tracking and monitoring

Identify potential defaults early by tracking clients
  • Reduce probability of default
  • Customize portfolio dashboard
  • Receive alerts and notifications
  • Prioritise time and effort
Contact us for a bespoke quote

14 day free trial
Fractal Labs Ltd is regulated by the FCA