Credit infrastructure for SME & Private Lending
From application
to decision.
Toborrow Tech provides the application flow, decisioning workflow, integrations and dashboards that lenders, brokers and factoring companies need - without building it in-house.
How it works
Replace lending friction with one connected flow.
Legacy platforms create handoffs, duplicate work and blind spots. Toborrow connects the journey from first application to ongoing management.
Friction-heavy intake
Static forms, incomplete data and manual re-keying slow every application from the first step.
Step 1 · Capture
One branded application flow
Collect applicant data, documents and consents in a configurable journey built for each market.
Checks scattered across tools
Registry, credit bureau and AML/KYC checks leave underwriters switching systems and piecing decisions together.
Step 2 · Decide
One decisioning workflow
Bring external checks, rules-based decisions and manual underwriting into the same operational flow.
Applicants left in the dark
Status updates, documents and lender communication get buried in email threads and disconnected portals.
Step 3 · Manage
Live dashboards for both sides
Give borrowers and lenders real-time status, document exchange and a shared view of every application.
Bespoke systems that resist change
Rigid codebases and one-off integrations make every product launch, market expansion and update harder.
Step 4 · Scale
Modular infrastructure, ready to connect
Use the modules you need with an open API and pre-built integration layer for banks, e-ID, registries and CRM.
The product
What's included.
Not every customer needs every module. Start with the workflow and dashboards, add integrations as you need them.
Decision engine & workflow
Rules-based and manual underwriting workflow that routes applications to the right decision-maker.
Borrower & lender dashboards
Real-time status for both sides, in one place.
Open API
Build your own front end on our backend.
Admin & backend
Full control over rules and reporting.
Application flow
White-labeled borrower and applicant journeys, configurable per market.
Integration layer
Banks, e-ID, registries, credit bureaus, CRM — pre-built.
Who it's for
Built for lenders, brokers and credit teams across the Nordics, Baltics and wider Europe.
For Loan brokers
Loan broker startups
Launch a compliant, fully functional lending product without building infrastructure from scratch.
In action
Proven in real lending operations in several European countries.
01
Originally built to power a full-scale lending operation in Sweden — integrated with multiple Swedish banks, authentication providers and public data sources.
02
Multi-country and multi-language by design.
03
Currently powers the technology stack for a licensed non-bank lender in Lithuania — application flow, decisioning, dashboards, integrations, end to end.
04
Built on years of real borrower/lender traffic, not a greenfield build.
Built from experience
Real lending work shaped the platform.
About
Built by people who ran the lending business ourselves.
Toborrow Tech grew out of a real, operating loan brokerage — which means the platform wasn't designed in a vacuum. Every workflow, integration and dashboard was built to solve problems we hit while processing real applications and real credit decisions.
Today, we focus entirely on the technology — so lenders, brokers and credit teams don't have to build it themselves.
In the media
Toborrow in the press.
Questions before you reach out
Frequently asked.
We already have internal systems — does this replace or integrate with them?
Toborrow Tech is designed to slot into existing operations. Use it end-to-end, or via API alongside the systems you already run.
Is this only for the Swedish market?
No. Toborrow Tech is built to be multi-market from day one — it already runs live in Sweden and Lithuania, with market-specific rules, languages and integrations configurable per country.
We're not a bank — can non-bank lenders, factoring or leasing companies use this?
Yes. The platform is built for any credit provider — banks, non-bank lenders, factoring and leasing companies alike — not just traditional banks.
How is this priced?
Pricing depends on which modules you use and your expected volume. Get in touch and we'll put together a quote based on your setup.
How long does implementation take?
Most customers are live within a few weeks, depending on how many integrations and how much customization your workflow needs.
Get in touch
Talk to us about your credit process.
Tell us a bit about your business and current setup — we'll follow up to see if there's a fit.
We usually reply within one business day.
Your details are only used to follow up on your request.
No obligation — we'll simply see if there's a fit.
Have a question?
Let's talk.