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 experience in loan broker business and optimisation of communication between borrower and lenders.
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.
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. Market-specific rules, languages and integrations are 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.