Speak to our partnership team

Safely expand your lending
portfolio to unbanked
consumers

Banks and Financial Institutions

Drive growth with an accessible instant digital loan product for customers without a credit history.

cityscape buildings

Expertise

Low-risk loans

Ezra covers 50% to 100% of the risk, with a solution aligned to your risk appetite.

Profile unbanked customers

Accurately profile customers without a credit history, and deliver instant loan decisions to millions.

Simple integration

Launch in under 12 weeks with a single integration that won’t impact your core banking systems.

Industry-leading performance on instant
loans to unbanked customers.

0%

Upfront capital, CAPEX or OPEX required

60% - 90%

High eligibility rates

35m

Loans delivered across 20 markets every month

Our partners

Powering instant loans for leading banks
and financial institutions.

Protect your balance sheet from bad loans

Grow your lending book to consumers without a credit history while limiting your financial exposure. No upfront capital needed, Ezra covers 50% to 100% of the risk of customer default.

Our turnkey digital loan products achieve an industry-leading bad debt rate close to 3%, making us a safe partner for instant loans.

Accurately profile unbanked customers for instant loans

Instantly approve loans to millions of unbanked customers and achieve high loan acceptance rates with Ezra’s intelligent customer profiling.

Our experienced scoring algorithm profiles over 100m users a day across the world.

Our team will leverage research on large user databases to design the optimal customer profile to achieve high eligibility rates in your market.

"Ezra’s solution has allowed customers without a bank account to access to financial services. We would recommend Ezra for similar undertaking in any geography"

CEO | Major pan-African bank

Launch in 12 weeks with one, non-invasive integration

Quickly launch instant loans in your market with a simple integration that won’t impact your core banking IT operations.

Ezra’s non-invasive integration enables millions of small ticket loans to be processed without complication, helping you to simplify your go-to-market plan and accelerate user adoption.

Deliver exceptional support to
your customers

Offer an outstanding experience to customers when they need your help. Ezra provides you with 24/7 support along with a real-time customer interface for your call centre and back office teams.

Speak to our partnership team

Find out how we help banks and financial institutions to launch instant loans to customers.

Speak to our partnership team