Automated loan processing done right.

Turn small loan applications into big wins. Self-service chats let applicants do the work, available 24/7 so you never miss a deal. And the best part: KYC is built right in.

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Manual loan processing is costing you time, customers, and profits

With an ever-growing list of checks and tasks before approval, smaller loans are becoming less attractive — and that’s not good for anyone. But what if the process just flows, with most manual work gone? It might just make small loans great again.

Self-service chats create an intuitive onboarding flow that guides applicants step by step, one question at a time. It’s faster, more personal, and fully compliant.

Your customers aren’t always available during office hours. With Small Ticket Solutions, they can apply whenever it suits them — day or night. You’ll never miss an opportunity again.

Applications run through flexible steps based, handled automatically or manually. A final four-eyes check confirms accuracy, and a complete audit trail tracks every action.

Every application is automatically checked and verified, ensuring you always know who you’re doing business with. From identity confirmation to ongoing risk monitoring, our system helps you build lasting relationships on a foundation of trust.

Self-service chats create an intuitive onboarding flow that guides applicants step by step, one question at a time. It’s faster, more personal, and fully compliant.

Automate your loans in four easy steps.

Loans come in many forms: reimbursement loans, operational leases, financial leases, hire purchases or construction deposits. We can handle them all.

Step 1

You give us the business rules

Our flexible system captures all your business rules — from required documents to pricing logic — making true automation possible.

Scope limitations E.g.: Maximum 75% to be financed

Applicant restrictions E.g.: Exclude sole proprietorship

Available durations E.g.: 60M & 72M & 120M

Repayment type E.g.: Annuities

Interest E.g.: Cost of fund + 2%

Repayment frequency E.g.: Monthly

Required documents E.g.: UBO declaration & Subsidy decision

Risk policy E.g.: Minimal B+

Step 2

We build the self-service chats together

Once business rules are set, a seamless self-service chat guides applicants through every step, capturing all required details automatically. Self-service doesn’t stop at applications — it can also support: early repayments, equipment acceptance, return process operational lease or any unique workflows specific to your loan type.

Step 3

You enjoy a fool proof, operational process

Where automation is the default. Each loan type runs on its own optimized workflow — surfacing only what needs human attention. Verifying the result with a four-eyes check, and then automating the rest: generating documentation, processing payouts and updating your core systems.

Step 4

Repeat, or sit back and watch the applications flow

To ensure precision and compliance, we focus on one loan type at a time—giving each our full attention. Once it’s complete, we move on to the next. There’s no need to onboard your entire portfolio at once; our system integrates seamlessly with others and can deliver value even after implementing just a single loan type

Book a discovery call

We understand that navigating compliance, regulators, and legacy systems is complex. But don’t let that stand in the way of progress. Let’s explore how we can help you streamline, automate, and reduce manual work — while enhancing your customer experience.

Schedule Your Discovery Call

Transforming small loans together

We’re proud to support several financial institutions in Europe. Here’s what some of our clients have to say about their experience with us:

- The total manual labor time from application to booking has been reduced to under 8 minutes, including a 4-eyes check, down from more than 4 hours.
- I love how simple the whole process feels. We no longer need to explain all the differences between financial products every time a new customer comes along.
- I wasn’t able to offer smaller-ticket loans in the past because they simply weren’t profitable. With STS, I expand my market offering.
- Our conversion rate jumped 32% after switching to STS. The operational process feels smoother than ever.
- Applicants can now handle quote changes themselves. No more back-and-forth or manual updates from my side
- The average turnaround time from application to signed contract is now below 72 hours and that shows in our NPS.
- An unexpected advantage was how much simpler it is to train new and temporary operational staff. The system practically guides them through every process.

Simple no-tricks pricing

One-off setup costs vary by scope and integration needs, but our pricing model is always transparent.

From application to booking

Everything you need to improve your customer expercience while letting them do the work.

What’s included

Customer onboarding portal, with self-service chats
Back-office management portal, with process steps per loan type
SLA with 99.95% guaranteed uptime, so you can always recieve new applications
All the current and future regular compliance/kyc checks

Only pay when the applicant becomes your customer.

0.2%

of the financed amount