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Rapid Credit: instant financing integrated with your business

solarisBank’s 100% digital instant loan application and approval process gives your customers quick access to credit at the point of purchase, unlocking consumer demand and boosting revenue. With Rapid Credit, you can help your customers obtain financing without forcing them to go to the bank—or even leave the checkout flow.

Provide your customers with compliant access to credit

solarisBank is a fully-licensed German credit institute - meaning we’re able to make loans just like a normal bank. But our loans are radically different.
solarisBank’s 100% digital instant loan application and approval process gives your customers quick access to credit, unlocking consumer demand and boosting revenue. With Rapid Credit, you can help your customers obtain financing without forcing them to go to the bank—or even leave the checkout flow.
Your customers simply sign into their online banking and solarisBank gathers data relevant to their ability to repay their loan. Using our proprietary scoring algorithms, we determine your user’s creditworthiness and offer them a loan. In the final steps, we verify their identity using video identification, enable them to digitally sign their promissory note and immediately initiate a payout.
solarisBank’s full banking license, issued in Germany, ensures regulatory compliance for all kinds of money transfers. Regulated by the German Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and can be passported to countries throughout the EEA, allowing your business to operate seamlessly throughout Europe.
This all happens in the background, of course: with solarisBank Rapid Credit, your business stays at the forefront. Rapid Credit integrates seamlessly into your business’s existing checkout flow to provide an instant loan quickly, securely, and compliant.

Integrated KYC

Customer verification powered by PostIdent and digital video identification providers

Umbrella Banking License

Regulated by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)

Zero Partner Risk

Offer loans with no risk to your business

Rapid Credit allows you to choose components relevant to your business

Rapid Credit combines traditional banking services with proprietary technologies to enable credit decisions in minutes.

Account Analysis

solarisBank automatically accesses and analyzes an applicant’s online banking activity for key risk indicators.

E-Signature

E-signature allows previously identified individuals to electronically sign necessary documents for banking purposes or otherwise.

KYC

solarisBank has partnered with IDnow to provide automated KYC where required.

Scoring

solarisBank’s algorhythmic risk analysis dynamically creates a score for each loan applicant.

Transactions

Perform compliant transactions in near real-time.

Umbrella Banking License

German banking license issued by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), which can be passported to countries throughout the EEA.

  • Account Analysis

    solarisBank automatically accesses and analyzes an applicant’s online banking activity for key risk indicators.

  • E-Signature

    E-signature allows previously identified individuals to electronically sign necessary documents for banking purposes or otherwise.

  • KYC

    solarisBank has partnered with IDnow to provide automated KYC where required.

  • Scoring

    solarisBank’s algorhythmic risk analysis dynamically creates a score for each loan applicant.

  • Transactions

    Perform compliant transactions in near real-time.

  • Umbrella Banking License

    German banking license issued by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), which can be passported to countries throughout the EEA.

Tech to boost your business

You need a modern, sophisticated loan interface to supply your customers with access to credit that integrates right into your existing checkout flow. solarisBank can be easily customized to meet your corporate identity and make the experience feel native for your customers.
solarisBank partners can use an iframe to integrate Rapid Credit into their websites, and an html-based web version for mobile. We’re also currently developing an SDK.

Pioneer Spotlight

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✓ RESTful API that’s easy to integrate and work with
✓ JSON rather than XML for data transfer
✓ Real-time payout initiation
✓ Great documentation to make setup simple and fast
✓ Application and approval seamlessly integrated into checkout process
✓ Co-branded customer experience enhances trust and security
✓ Advanced algorithmic scoring mechanisms that allow approval within minutes
✓ Out-of-the-box mobile integration

Pioneer Spotlight

Offer users instant access to financing using

AutoScout24

Read more

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