Credit without collateral. Embedded in your platform.
Your users already want credit. Portola embeds a full lending experience into your platform — you earn revenue on every loan, deepen engagement, and keep users inside your ecosystem.
New revenue from day one.
Earn on every loan that funds through your platform. No lending operations to build, no capital required.
Retention that compounds.
Borrowers check balances, manage payments, and come back daily. An active loan is the strongest retention hook you can embed.
The missing product in your stack.
Your users already save, spend, and trade. Credit is the product that ties them all together.
Your users expect a complete platform.
Savings, payments, trading, collateralized lending — your platform already delivers. Unsecured consumer lending is the next feature your users are looking for.
You earn on every loan that funds through your platform.
Borrowers stay and return
Offer every financial product under one roof
You own the user experience. Portola handles everything behind it — routing, compliance, licensing, and settlement. Your team ships a lending feature with a single integration.
One integration.
Every lender.
Simple for your users.
Structured at every step.
Users apply inside your experience. Portola coordinates every handoff — routing, offers, signing, funding, and servicing — so nothing touches your operations team.
You earn when loans fund.
Every loan that funds through your platform generates revenue for you. No underwriting, no capital, no lending operations — just a new revenue line from an embedded product your users already want.
What you skip by working with Portola.
Launching unsecured lending from scratch means licensing, compliance programs, underwriting models, capital reserves, and loan servicing. Portola handles all of it — you ship the feature.
Portola and its lending partners carry the licensing and compliance obligations. Your platform stays clean.
Lenders fund the loans and bear the credit risk. You earn revenue without deploying capital.
Payment processing, collections, and dispute resolution are handled outside your platform. No new teams, no new infrastructure.
See it live. Explore the sandbox and API today, or schedule a call with our team.
Your platform
Product surface, user regions, and target launch scope.
Integration path
SDK timeline, required data fields, and UI decision points.
Compliance
Any operating model constraints we should know about.