End-to-end online
lending platform
We designed and built a complete digital credit solution from scratch — responsive frontend, cloud backend, real-time scoring integrations, and a campaign management module — that went from zero to $40M USD in its first year of operation.
The challenge
Building a lending business from scratch, in a complex regulatory environment
The client needed a complete credit origination platform — not just a frontend, but the entire stack: a user-facing loan application experience, a cloud backend that could handle campaign-driven acquisition flows, and real-time integrations with external credit bureaus and identity providers to score applicants instantly.
The platform also needed to support multiple simultaneous campaigns with different loan parameters, rates, and acquisition funnels — configurable without engineering involvement.
What we built
A fully integrated lending stack
Responsive web frontend
A fast, mobile-first loan application interface designed for conversion. Simple UX flow that guided applicants from interest to submission in minutes.
Cloud-based backend with configurable campaign flows
A flexible backend that allowed the client's team to configure loan products, rates, and acquisition campaigns independently — no code changes needed to launch a new product variant.
Real-time credit scoring via multiple provider APIs
Integrations with multiple credit bureaus and identity verification providers, called in real time during the application flow to score and approve applicants without manual review for qualified users.
Campaign management module
A built-in admin module to create, manage, and track user acquisition campaigns with custom parameters — enabling the business to iterate quickly on offers and channels.
"The platform we built wasn't just software — it was the infrastructure for a financial business. Getting the credit scoring integrations right, in real time, at scale, was the core technical challenge."
— Orugga engineering team
Technologies used
Related experience
This project is part of Orugga's broader fintech experience, which includes mobile banking UX for Banelco (Argentina's largest ATM network, acquired by Visa), TransUnion's Seamless Onboarding SDK deployed globally, the Equifax InstaTouch® Suite for mobile authentication and payments, and loyalty platform development for BBVA in Argentina.
Building something in fintech?
We've worked across the full fintech stack — from consumer-facing apps to backend integrations and compliance-driven UX. Let's talk.
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