Explore the unified platform
APIs, SDKs, and documentation
Connected to trusted providers
NeoBNK gives you everything you need to offer lending products — origination, onboarding, loan management, and accounting. We handle the back-end. You serve your customers.
Everything you need to run a lending operation — from the moment a customer applies to the final repayment. No need to build it yourself.
Talk to usAccept loan applications across mobile, web, and WhatsApp. NCA-compliant quotations are generated automatically, borrowers are verified before approval, and funds are disbursed — all without you touching the back-end.
Every application passes through an intelligent verification pipeline. Identity is confirmed with biometric face matching. Affordability is assessed by AI reading payslips and bank statements. For business lending, company registrations and director identities are validated against national registries. Risk is scored automatically — most decisions happen in seconds, not days.
AI verification agents
Notification channels
Compliant by default
Hosted in Cape Town
Three steps to start lending.
Tell us what you want to offer — retail loans, SME credit, or both. We configure your loan products, fee structures, and approval workflows. No complicated setup on your side.
We connect your branded channels, configure AI-powered verification pipelines, and set up NCA-compliant fee calculations. Integrate with your existing systems, or use ours out of the box.
Start accepting applications. We handle the operations — compliance, notifications, collections, and accounting. You earn from every loan while we manage the complexity.
We handle the complicated back-end requirements so you can deliver financial services without building them from scratch.
Fee calculations, binding quotations, and regulatory formulas are built in. Stay compliant without hiring a compliance team to build it.
AI agents handle identity checks, biometric matching, affordability analysis, sanctions screening, and risk scoring — automatically. Human reviewers only see what genuinely needs a decision.
Mobile app, WhatsApp, web, and conversational AI — all connected to one platform. Customers can apply for a loan or check their balance in a chat, just like messaging a friend.
Built on open-source technology. Your data stays yours, your infrastructure stays portable. Switch or extend whenever you want.
Pricing
Every partner is different. That's why we offer flexible pricing structures that evolve with your product, your team, and your market.
Talk to usEnjoy transparent pricing with no per-transaction or usage-based fees, so you can plan with confidence.
Design the right solution for your needs with flexible, modular pricing that scales as you do.
Scale without friction. Our pricing supports your expansion, with no overage fees or surprise costs.
Use the full platform or just the modules you need. Start with origination, add verification later, go multi-channel when you are ready.
Every partner gets direct access to our team. We help with integration, customisation, and ongoing operations — not just at launch, but as you grow.
We succeed when you succeed. Pricing is structured so growth benefits both sides — no punitive volume fees, no hidden costs.
We structure pricing around your product and stage of growth. There are no per-transaction fees — you pay a predictable amount based on the modules you use and the scale you need.
No. We believe in full transparency. You will know exactly what you are paying for before you commit, with no overage charges or surprise costs as you scale.
Absolutely. Start with the modules you need — origination, verification, loan management, or accounting — and add more as your business grows. Every plan is tailored.
No. NeoBNK manages the lending operations — origination, compliance, accounting, and collections — but the funds flow directly between you and your borrowers through your own banking partner.
Building NCA-compliant lending infrastructure from scratch takes months and significant engineering investment. NeoBNK gives you a production-ready platform — compliance, verification, accounting, and multi-channel delivery — so you can start lending in weeks, not quarters.
We build AI-powered lending infrastructure for South Africa. The platform handles compliance, intelligent verification, loan management, and accounting — so businesses can offer credit products without building the technology themselves.
AI agents
Channels
Data residency
Open source
Regulatory requirements are core to the platform, not an afterthought.
Built on proven, portable technology. No proprietary lock-in.
Integrate with your existing systems or build entirely on ours.
All data stays in-country. Hosted in Cape Town.
Whether you are building a new lending product or looking to modernise an existing one, we would love to explore how we can help. No commitments — just a conversation.
Explore how we can tailor a solution around your unique requirements, every step of the way.
See the full lending lifecycle in action — origination, verification, loan management, and accounting.
Whether you are launching a new financial product or enhancing an existing offering, we can help you scope it.