Demand for embedded and partner-led lending continues to accelerate across platforms, ecosystems, and channels. However, building and scaling lending capabilities in-house is complex, capital intensive, and slow. Zoral LaaS solutions provide financial institutions a flexible, compliant way to launch lending products without rebuilding core infrastructure.
Rapidly configure and launch lending products without deep engineering dependency.
Power real-time credit, pricing, and eligibility decisions across channels.
Expose lending capabilities securely to partners, platforms, and ecosystems.
Automate onboarding, disbursement, servicing, and collections processes.
Embed regulatory controls, auditability, and risk oversight by design.
Core capabilities that power intelligent automation, seamless integration, and scalable performance across the entire ecosystem.
Focused execution and intelligent automation deliver measurable improvements across the lending lifecycle, creating clear and sustained business impact.
Engagement models designed to offer flexibility, transparency, and control.
API-driven lending deployment.
into credit and compliance decisions.
over risk, pricing, and governance.
across platforms and partners.
Key engagements that showcase innovation, efficiency, and real business results.
Embedded lending launched in weeks using configurable LaaS capabilities.
API-led lending expansion enabled partner growth without core changes.
LaaS integration increased conversion and monetization across merchant journeys.
Insights and perspectives that shape industry thinking and inspire state-of-the-art digital transformation.
Zoral’s Lending as a Service (LaaS) solution enables institutions and platforms to deliver end-to-end lending capabilities through Olympus fOS, without rebuilding core infrastructure. It provides a configurable lending layer that supports origination, eligibility and pricing decisioning, onboarding, servicing, and portfolio controls across multiple products and segments. With API-first integration, LaaS can be embedded into partner ecosystems, digital channels, and point-of-need journeys while maintaining consistent governance, auditability, and policy enforcement. Low-code configuration accelerates product rollout and iteration, while intelligent automation reduces manual processing and operational cost. The result is faster time-to-market for new lending programs, scalable partner-led growth, and stronger risk control at scale
