Absolutely. We specialize in developing custom lending ecosystems that cater to diverse use cases, including unsecured personal loans for individuals, SME and business financing, invoice discounting, invoice-backed credit lines, educational lending, and more. Our modular architecture allows you to tailor borrower/lender onboarding, scoring, matching, and repayment flows depending on your unique audience. Whether you’re targeting consumers, businesses, or niche marketplaces, we deliver scalable solutions with flexible feature sets, compliance modules, and UX tailored to each segment.

Zymr’s P2P lending solutions are built to support multiple revenue streams. Platform owners can charge origination fees per loan, collect servicing or management fees from borrowers or investors, institute performance-based spreads on interest rates, or generate recurring revenue with subscription tiers for premium analytics or lead access. Our systems also enable affiliate marketing integration, partner loan origination, and secondary market transaction fees if you support resale of loan parts. You can run hybrid revenue models and track each stream with built-in analytics.

Yes. Zymr offers both rapid-launch white-label solutions with configurable modules for brands that want quick entry or phased MVP launches, and fully custom platforms engineered from scratch to suit your branding, logic, and infrastructure preferences. White-label clients benefit from proven workflows and fast go-lives; custom builds allow complete control over design, credit models, and integration stack. All approaches are designed for future upgrades and easy expansion as your business evolves or regulations shift.

Managing credit risk and defaults is a priority for every platform. We enable automated early-warning systems that flag missed payments, initiate tiered notification sequences, and provide flexible workflows for restructuring or re-negotiating terms. Our integrations include leading collections agencies and alternative dispute resolution channels. Lenders and admins can monitor at-risk portfolios, generate collection reports, and trigger external recovery steps, helping maximize repayments and reduce manual effort.

Every Zymr-built lending system is engineered to banking-industry best practices. This includes end-to-end encryption, routine penetration testing, multi-factor authentication for all users, DDoS mitigation, continuous vulnerability assessments, and strict data segregation. We use PCI DSS-compliant payment gateways, and all sensitive data is masked or tokenized. Security protocols are continuously updated in response to new threats and as part of our managed service offerings.

Our platforms are designed for regulatory compliance from the ground up. We integrate automated KYC workflows, support AML screening, and can accommodate rules from major regulators like RBI (India), FCA (UK), SEC (USA), and other region-specific authorities. This means built-in eKYC, transaction monitoring, automated audit trails, GDPR/CCPA compliance, and seamless reporting tools. We stay up-to-date with changing regulations and audit requirements, so you can scale confidently in multiple markets without risk of non-compliance.

The typical project lasts 7 to 14 months for a custom, production-ready solution, including time for compliance validation, payment and credit API integrations, and multi-market testing. If speed is the priority, our white-label MVPs can be deployed within 3 to 6 months and scaled rapidly with new features. Timelines vary by the number of lending models, third-party integrations, and legal requirements for your launch jurisdictions; we work alongside you from scope definition through full rollout to set clear expectations and avoid rework.

Without question. We provide ongoing technical and business support to ensure your P2P lending platform operates reliably and scales as your user base and transaction volume increase. After launch, we monitor performance, apply security patches, and proactively suggest improvements based on user analytics and market feedback. You’ll have access to rapid bug fixes, compliance updates, feature enhancements, infrastructure scaling, and even custom consulting as changing laws or new business requirements emerge.

Yes, this is increasingly in demand for liquidity and risk management. We can develop secure modules enabling lenders to list, auction, and transfer their funded loan portions to other investors. All transactions are tracked, and compliance workflows ensure regulatory reporting is updated automatically, so your marketplace can support both primary loan origination and active secondary trading.