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

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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 and Open Banking.

Credit decisioning

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


Loan digitisation

Save time and money by digitising SME loan contracts. Link all contracts directly to SME data.

Tracking and monitoring

Identify potential defaults and protect your revenue by tracking key metrics and monitoring portfolio performance.

Cross Sell Products

Increase revenue by promoting contextual products and services to your SME customers.

Client engagement

Customer engagement

Increase your Net Promoter Score (NPS)
  • Maintain customer relationship.
  • Engage clients with an easy-to-use cash management tool.
  • Configure offers and using Fractal's 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).
  • Government tax data (if available).
  • Configure questions and flow.
Credit scoring

Credit decisioning

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

Loan digitisation

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.
Cross Sell Products

Cross Sell Products

Configure personalised offers for your clients and promote relevant and contextual products.

  • Anticipate SME needs using data and insights.
  • Using simple rules, automatically offer the right product at the right time.
  • Easily promote your products such as loans, overdrafts and invoice factoring.
  • Preapprove your customers with relevant products based on pre-determined criteria.
Book a demo

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