Instant loans for your MSME customers
Rubyx is the lending as a service platform for companies that want to offer digital financing solutions to entrepreneurs and small businesses in emerging markets.
Retain customers and attract new ones
Integrating into the Rubyx platform enables you to offer innovative loan products that meet the evolving expectations of your customers such as:
Short term mobile loan
Enable pre-qualified customers to request a loan via their smartphone and allow them to pay back as soon as they can.
Automated loan renewal
Save your time by knowing which loans can be renewed. Save your customer’s time too with effortless loan renewals.
Top up loan
Easily extend your customer’s loan when requested without additional manual evaluations.
Offer this flexible loan to qualified customers to meet their working capital needs.
How digital lenders use Rubyx
Banks and microfinance institutions
Accelerate digital transformation
Microfinance institutions rely on Rubyx to design and build top up loans, lines of credit, automated loan renewal and other services. We build data pipelines to leverage historical customer data, and push loan offers to risk-segmented customers.
Embed lending features into your services
Partner with an accredited lender and create short term loans, float account overdraft facilities and other services with Rubyx. We build data pipelines, push segmented loan offers through your app and give you full loan management and reporting.
Automated loan renewal
We helped Baobab fully automate up to 40% of loan renewals. The solution proved highly replicable and was swiftly implemented in 8 countries in less than 6 months, leading to client retention and increased staff efficiency and a strong differentiation on highly competitive markets.
Nano loan product
Advans Cameroun came to us to launch a short-term nano loan with a flexible repayment scheduled. By leveraging customer data to automate loan decisions and providing the right incentives for customers to repay early, Advans created new growth opportunities within existing customer portfolios.
Data warehouse as a service
We set up a central cloud-based data warehouse for Grooming Centre to store data from all business lines and distribution channels. Reporting and performance monitoring tools are updated daily, improving transparency and allowing managers to make better-informed decisions.