Let the cash flow. On-demand working capital  The new era of Bankable Are you a fintech or accounting tech? Say yes to borrowers & embed lending Are you a lender or a bank? Diversify your risk portfolio & earn more Solid Banking, Smart Lending

Bankable enables on-demand lending for SMEs in UK & Europe.

We finance payables, receivables & credit facilities and financed over 15K SMEs, with €550m+ in funding deployment to-date.

Our world is changing and AI + Tech can bridge the gap of real-world business problems. Those who win, win because they understand short-term is not about reducing your options. It is about digitising and switching on tech to dynamically manage risk in realtime.

Bankable: the pioneer of BaaS in the UK

Bringing off-balance sheet credit and lending as a service to businesses.

Bankable partners with banks across Europe to issue IBANs in multiple jurisdictions, supporting multiple currencies. Virtual Accounts offer a new cash management model, providing the benefits of multi-bank hierarchies while reducing costs. They also allow for payment initiation from virtual accounts, simplifying the process.

Bankable offers card issuance and processing services with ease. With our technology and expertise, you can launch custom branded card programs in just 4 weeks, including corporate expenses, credit cards, purchasing, payroll, travel, and lodge cards.

Bankable’s platform allows you to launch a digital bank quickly and easily. Our technology generates IBAN accounts, payment cards, and access to payment schemes like Faster Payments, SEPA transfers and SWIFT payments, while integrating KYC and AML services. With our easy-to-use API, you’re in complete control of your customers’ experience.

On-demand credit as a service provided off-balance sheet. The future of BaaS and differentiator for Bankable is its credit and lending marketplace where commercial paper such as invoices and payables can be financed on-demand and in real-time. 

We work with accounting technologies, ERPs, neobanks and other fintechs to embed our lending technology into their products so their business customers can receive financing or credit based on their working capital requirements.

Proven Results

Speed to Market:

6 weeks

Invoices sold in:

0.03 sec

From zero to unicorn in just two years: the power of using Bankable for your use case

See who's been talking about us


Our products are designed to be plug
and play. Instantly activate banking or lending bricks
to suit your business case.

Whether it is credit, payments, issuing, processing,
or core banking, embed any type of banking product into your customer’s workflow through a single API gateway.


Our API is your gateway to leverage banking licences in the UK and Europe.

Through our integrated Bank sponsors, you can create and assign virtual IBANs, both addressable and non-addressable.

These accounts can be accessed by your customers and used to both receive and remit funds.


Issue branded or non-branded cards in the UK and Europe.

Unlike our competitors, our card products are diverse – we
offer pre-paid, debit and credit cards to suit your business and bank needs.


Switch on payments domestic and cross
border. Bankable can provide real-time payment functionality for SEPA (Single Euro Payments Area), SEPA instant, SEPA EPC, FPS.

We have supported the facilitation of over 1 billion payment requests with ease for over a decade.


Access unlimited liquidity and lend to your customer’s off-balance sheet.

Add new revenue streams to your product proposition effortlessly with Bankable’s range of short-term lending and working capital products.

We turn your customer’s data into a lendable asset without passing on the credit risk.


As an investor experience unparalleled precision with Bankable’s real-time AI and data-driven lending exchange.

Make trades and move to the world of short-term credit at scale. Please note only regulated investors will be accepted to trade.

Our clients love working with us, just read what they have to say!

Meet the Team

Configurable. Predictable. Bankable. Our technology is engineered to provide the necessary banking and lending infrastructure to improve mid-market access to short-term working capital products, ensuring your dominance in a rapidly evolving technology market.

Get in touch

Partner with Bankable and help make your customers receivable, payable, travelable, Bankable.

Global scale

The world of finance is accelerating dramatically

Anticipating financial maturity beyond 5 years is unpredictable. Short-term durations maximise return and minimise risk for those who borrow and those who lend.


financed over 3 years in the UK and Europe


lending secured in 24 hours


default rate on lending to business


IRR to investors lending


Banking Unboxed
Virtual Accounts


Virtual Ledger Manager
Payment Card Programs
Digital Banking



Case Studies

Virtual Ledger Manager
Payment Card Programs
Digital Banking


Our Values
Get in Touch
Join Us


Contact Support
Support Center
Support Plans
+1 888 926 2289

© 2024 Bnkbl Ltd trading as Bankable.