Connecting brands and lenders so any brand can offer loans

Finance / ERP

Webapp

Scoping

Strategy

Integration Platform

Multi-tenancy

AWS / Azure / GCP

R&D

Managed Service

Software Factory

Sort

Finance / ERP

Webapp

Scoping

Strategy

Integration Platform

Multi-tenancy

AWS / Azure / GCP

R&D

Managed Service

Software Factory

Finance / ERP

Webapp

Scoping

Strategy

Integration Platform

Multi-tenancy

AWS / Azure / GCP

R&D

Managed Service

Software Factory

"Threadable were recommended to us by a high-profile existing client, which gave us a confidence of a strong track record. The Threadable team were involved from day 1 and helped us conceive, design and then architected and built our MVP. We were delighted with the approach and outcome and we continue to develop our product with them."

Nigel Rutherford

CEO

Peeled Finance

Peeled Finance set out to create a 100% digital, mobile-first composable lending platform tailored to the highly regulated finance industry. Their goal was to empower businesses to design and launch lending products without dependency on specific vendors, products, or technologies. To achieve this, Peeled partnered with Threadable, leveraging their Software Factory approach to build an integrated, scalable solution.

Delivering an Integrated and Flexible Platform

Threadable designed and developed a platform that provides brands with seamless access to unsecured loans while ensuring speed, simplicity, and transparency. This digital lending journey integrates with retail point-of-sale systems, legacy banking platforms, and modern SaaS solutions, simplifying finance offerings for retailers, wholesalers, and financial institutions.

Advanced Integrations for a Seamless Lending Experience

To replace traditional paper-based finance applications, Threadable built a solution that integrates effortlessly with customer purchase journeys, e-commerce systems, and banking platforms. The platform includes:

Fraud Detection & Risk Profiling: Leveraging advanced algorithms to assess risk.
Open Banking Standards (PSD2): Instant verification of spending habits and financial history.
Automated Underwriting & Credit Scoring: Real-time risk assessment and decisioning.
Facial Recognition & Identity Verification: Ensuring secure borrower authentication.
Document Forgery & Integrity Checks: For real-time validation of documentation.
Integrated Digital Car Valuations & History Checks: Enhancing auto finance capabilities.
Electronic Signatures: Enabling seamless contract execution and direct debit mandates.

Strategic Impact & Results

Threadable not only delivered a robust technology solution but also played a key role in shaping Peeled’s strategic vision. The outcome included:

A 100% digital loan application journey, covering quotation, underwriting, KYC, AML, fraud detection, and receivables management.
A project delivered on time and within budget.
A multi-tenant, multi-brand, multi-lingual, multi-currency-ready platform.
A flexible, composable lending platform with published APIs for seamless integration with legacy and modern banking systems.

By utilising Threadable’s expertise and Software Factory methodology, Peeled Finance now operates a revolutionary, fully digital lending platform, on AWS infrastructure. that sets new standards in financial services innovation.