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Launch and Fund Your Lending Program with Clay's Brandable Credit™ Platform

Utilize Clay's powerful lending stack and debt line to offer your customers a smooth, brand-aligned borrowing journey, embedded into your platform.

Follow us for news

Launch and Fund Your Lending Program with Clay's Brandable Credit™ Platform

Utilize Clay's powerful lending stack and debt line to offer your customers a smooth, brand-aligned borrowing journey, embedded into your platform.

Follow us for news

Launch and Fund Your Lending Program with Clay's Brandable Credit™ Platform

Utilize Clay's powerful lending stack and debt line to offer your customers a smooth, brand-aligned borrowing journey, embedded into your platform.

Powering a New Phase in Fintech Innovation

Powering a New Phase in Fintech Innovation

Powering a New Phase in Fintech Innovation

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How It Works

We Power Your Credit Stack

How It Works

We Power Your Credit Stack

How It Works

We Power Your Credit Stack

Clay has everything you need to deliver a full credit experience to your users without any external reliances

Clay has everything you need to deliver a full credit experience to your users without any external reliances

Legal Title Services

We manage regulatory responsibility for your loans and mortgages.

Legal Title Services

We manage regulatory responsibility for your loans and mortgages.

Legal Title Services

We manage regulatory responsibility for your loans and mortgages.

Underwriting

Tailorable underwriting models, ensuring risk-balanced credit decisions.

Underwriting

Tailorable underwriting models, ensuring risk-balanced credit decisions.

Underwriting

Tailorable underwriting models, ensuring risk-balanced credit decisions.

Debt Capital

Instant access to debt capital, with clear KPIs for achieving leverage.

Debt Capital

Instant access to debt capital, with clear KPIs for achieving leverage.

Debt Capital

Instant access to debt capital, with clear KPIs for achieving leverage.

Loan Servicing

Easy-to-integrate APIs, streamlining account management and collections.

Loan Servicing

Easy-to-integrate APIs, streamlining account management and collections.

Loan Servicing

Easy-to-integrate APIs, streamlining account management and collections.

Compliance

Robust compliance systems, ensuring your credit operations meet standards.

Compliance

Robust compliance systems, ensuring your credit operations meet standards.

Compliance

Robust compliance systems, ensuring your credit operations meet standards.

Portfolio Reporting

Automated portfolio performance reporting, enabling clear data insights.

Portfolio Reporting

Automated portfolio performance reporting, enabling clear data insights.

Portfolio Reporting

Automated portfolio performance reporting, enabling clear data insights.

Instant Access Debt Line

Leverage Your Clay Debt Line to Finance Your Initial $50m in Loan Assets

Each originator begins with a $1m debt line to finance their loan assets. Based on transparent KPIs, this can be amplified to 50x, unlocking a $50m line for lending.

Instant Access Debt Line

Leverage Your Clay Debt Line to Finance Your Initial $50m in Loan Assets

Each originator begins with a $1m debt line to finance their loan assets. Based on transparent KPIs, this can be amplified to 50x, unlocking a $50m line for lending.

Instant Access Debt Line

Leverage Your Clay Debt Line to Finance Your Initial $50m in Loan Assets

Each originator begins with a $1m debt line to finance their loan assets. Based on transparent KPIs, this can be amplified to 50x, unlocking a $50m line for lending.

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Loan Servicing

Integrate Clay's 360° Loan Servicing APIs

Clay will manage your loan accounts, schedules and payments via a RESTful API, allowing your members to self-serve through your bespoke frontend.

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Loan Servicing

Integrate Clay's 360° Loan Servicing APIs

Clay will manage your loan accounts, schedules and payments via a RESTful API, allowing your members to self-serve through your bespoke frontend.

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Credit Intelligence

Monitor Loan Tape Data in Real Time

Utilise Clay to monitor your loan tape data in real-time. Track borrower behaviour, loan performance, and repayment trends via your dashboard, enabling prompt, data-driven decisions.

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Credit Intelligence

Monitor Loan Tape Data in Real Time

Utilise Clay to monitor your loan tape data in real-time. Track borrower behaviour, loan performance, and repayment trends via your dashboard, enabling prompt, data-driven decisions.

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Scaling Up

At $50M in assets, we'll help you scale with private funds

Scaling Up

At $50M in assets, we'll help you scale with private funds

Scaling Up

At $50M in assets, we'll help you scale with private funds

Once you've originated $50M in assets, we'll support your expansion using private funding. Leveraging our network of debt investors, you'll be able to scale your lending initiative seamlessly, matching the scale of your vision.

Once you've originated $50M in assets, we'll support your expansion using private funding. Leveraging our network of debt investors, you'll be able to scale your lending initiative seamlessly, matching the scale of your vision.

Clay Credit Modules

Rapidly launch any lending vision

Clay Credit Modules

Rapidly launch any lending vision

Clay Credit Modules

Rapidly launch any lending vision

Personal Loan

Refi Loan

Line of Credit

Credit Card

Earned Income Access

Automation
Personal Loan

We provide a fully adaptable Personal Loans product to fuel your lending vision. Our originator partners can customise this module, building their own unique lending initiatives atop our solid foundation. Tailor your offerings, brand them as your own, and launch swiftly. Read our 'Personal Loan Guide' to learn more about this credit module.

Personal Loan

Refi Loan

Line of Credit

Credit Card

Earned Income Access

Automation
Personal Loan

We provide a fully adaptable Personal Loans product to fuel your lending vision. Our originator partners can customise this module, building their own unique lending initiatives atop our solid foundation. Tailor your offerings, brand them as your own, and launch swiftly. Read our 'Personal Loan Guide' to learn more about this credit module.

Pricing

Fair, Flexible Pricing Plans

Pricing

Fair, Flexible Pricing Plans

Pricing

Fair, Flexible Pricing Plans

We offer a range of flexible pricing plans tailored to suit originators of all sizes.

We offer a range of flexible pricing plans tailored to suit originators of all sizes.

Start
From $2,750

/mo

Dedicated Underwriting Manager

Zero Deposit First Loss

0% Coupon

Earn up to 3.0% per loan

Grow
Contact Sales

10% First Loss Requirement

Dedicated Underwriting Manager

Dedicated Risk Manager

Fixed Coupon Rate

Up To 50x Leverage

Retain All Excess Spread

Plus
Contact Sales

10% First Loss Requirement

Everything in Grow Plan

Use your own scorecard

Dedicated Compliance Manager

Access to Credit Intelligence

Advanced Loan Servicing APIs

FAQS

Have any questions?

FAQS

Have any questions?

FAQS

Have any questions?

If you don't find the answer your looking for, reach out to our team via the live chat.

Which countries and currencies do you support?

How much does Clay cost?

Can I use my own Scorecard and Policy Rules?

How long does Clay take to integrate and go-live?

What will be my maximum debt limit at launch?

Get Started

What will you build?

Get Started

What will you build?

Get Started

What will you build?

Want to be one of the first to build with Clay? Hit the button below...

Want to be one of the first to build with Clay? Hit the button below...

©2023 Clay Technologies Inc. 🇬🇧30 Churchill Place, Canary Wharf, London, E14 5EU. 🇺🇸 1111B S Governors Ave STE 7406 Dover, Delaware 19904, USA

©2024 Clay. All rights reserved.

©2023 Clay Technologies Inc. 🇬🇧30 Churchill Place, Canary Wharf, London, E14 5EU. 🇺🇸 1111B S Governors Ave STE 7406 Dover, Delaware 19904, USA

©2024 Clay. All rights reserved.

©2023 Clay Technologies Inc. 🇬🇧30 Churchill Place, Canary Wharf, London, E14 5EU. 🇺🇸 1111B S Governors Ave STE 7406 Dover, Delaware 19904, USA

©2024 Clay. All rights reserved.