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Development of a Secure White-Label Lending Platform for Automated Merchant Cash Advances
  1. case
  2. Development of a Secure White-Label Lending Platform for Automated Merchant Cash Advances

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Development of a Secure White-Label Lending Platform for Automated Merchant Cash Advances

geniusee.com
Financial services
Business services
eCommerce

Challenges in Automating Merchant Cash Advance Processes

The client required a fully automated white-label lending platform to replace manual offline operations, streamline merchant cash advance workflows, and comply with FinTech regulations. Key pain points included inefficient lender-merchant matching, lack of centralized management for ISOs/lenders, and the need for secure banking integrations while maintaining data privacy.

About the Client

A financial technology company specializing in merchant cash advance solutions for small and medium-sized businesses.

Goals for the White-Label Lending Platform

  • Create a centralized digital platform for merchant cash advance operations
  • Automate lender-merchant matching using intelligent algorithms
  • Ensure compliance with FinTech legal and regulatory requirements
  • Implement secure banking integrations and third-party service connectivity
  • Provide role-based dashboards for merchants, lenders, and ISOs

Core System Functionalities and Features

  • Online merchant loan application portal
  • Lender deal search and offer management system
  • Automated lender-merchant matching algorithm
  • Secure e-signature integration for agreements
  • ISO deal tracking and commission management dashboard
  • Credit score tracking and risk assessment tools
  • Banking API integrations for fund disbursement
  • Multi-tenant white-label customization capabilities

Technology Stack Requirements

.NET Core/.NET 5
AWS cloud infrastructure
Domain-Driven Design (DDD)
Monolithic architecture with microservices scalability
Cross-platform development framework

External System Integrations

  • Banking APIs for payment processing
  • Credit bureau APIs for credit scoring
  • e-Signature platforms (e.g., DocuSign)
  • ISO partner management systems
  • Regulatory compliance monitoring tools

Non-Functional Requirements

  • High-level data encryption (PCI-DSS compliance)
  • Scalable architecture for 10,000+ concurrent users
  • Sub-2-second page load times for critical workflows
  • 99.9% system uptime SLA
  • Role-based access control (RBAC)
  • Audit trail for regulatory compliance

Expected Business Impact of the Lending Platform

The platform will reduce loan processing time by 70%, increase lender-matching accuracy by 60%, and enable ISOs to manage 3x more deals simultaneously. Automated compliance features will reduce regulatory risks by 85%, while cloud-based scalability will support 500% growth in transaction volume without infrastructure cost increases.

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