Embedded Lending Technology for Productive Loans

Nikel provides end-to-end lending solutions for banks and technology companies to lend to small businesses.

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Our Products

Nikel Lend

End to end, API-based lending solutions allow banks or technology companies to lend directly to end borrower leveraging our powerful credit analytics, origination and underwriting engines, and connection with local providers enabling eKYC, eSignature, and collateral tracking.

Nikel Market

B2B marketplace which connects banks to technology companies. This enables banks to on board customers via technology companies, and technology companies to providing credit via banks. This is powered by Nikel Lend for easy integration and monitoring for the banks and the technology companies.

Nikel Fund

MAS-licensed fund manager that enables investors to create bespoke funds to reach thematic impact sectors (healthcare, agriculture, climate and gender). Alternatively, investors can directly finance SMEs via existing fund vehicles on Nikel Market. We manage investors’ downside risks using blended finance, corporate guarantees, and etc.

Unlock the Entrepreneurial Potential of Small Businesses

Rosa manages

Rosa manages the inventory of her clinic in East Java, and receives credit lines to ensure she’s adequately equipped to serve her community.

Rosa manages

Suhadin runs a small trucking company. He transports a lot of goods for large companies but they usually take two months or more to pay his invoices. With ICS financing, Suhadin can get paid upfront for deliveries to avoid working capital shortages.

Rosa manages

Mirna owns a wholesale store in North Sumatra selling essential goods. She’s using ICS financing to help her purchase inventory to ensure she has enough stock without needing the cash upfront.

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Shape the Future of Small Business Lending

At Nikel, we trouble shoot clients’ key challenges in lending through code.

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