Blog
Notes on lending.
Posts on credit scoring, compliance, and company updates relevant to platform users.
19 May 2026 · 3 min read
Inside Creditonline's Intercontinental Product & Sales Expansion
Creditonline's product and sales teams are taking a modular, API-first credit engine into new markets - through the Grow London Global accelerator, Money 20/20 Europe in Amsterdam, and Auto Finance Africa 2026.
Read post30 March 2026 · 3 min read
The August 2nd Countdown: AI Act Compliance and Transparency
From August 2nd 2026, high-risk credit-scoring AI under the EU AI Act needs documented human oversight and a full audit trail, or lenders risk fines of up to €15 million or 3% of global turnover.
Read post9 March 2026 · 3 min read
Bridging the Channel: Paris and Amsterdam
Creditonline was one of 13 UK fintech scaleups selected for a trade mission to Paris and Amsterdam in February 2026, meeting banks, payment providers, and regulators across both markets.
Read post22 February 2026 · 3 min read
The Rise of "Invisible Credit" in B2B Lending
B2B lending is moving off the banking portal and into the SaaS tools SMEs already use - cutting decision times from 3-5 business days to seconds and replacing static bank statements with live ERP data.
Read post28 January 2026 · 6 min read
Why Affordability and Over-Indebtedness Need Better Data and Decisioning in 2026
The EU Consumer Credit Directive (2023/2225) starts applying from November 2026, and it shifts the bar from "we checked creditworthiness" to proving a loan was actually affordable. Finexos CEO Zitah McMillan explains what that means for lenders' data and decisioning.
Read post9 January 2026 · 6 min read
Buy vs Build: Why SaaS Loan Management Software Wins on Speed, Risk, and Cost in 2026
McKinsey and Oxford research shows large IT projects run 45% over budget and deliver 56% less value than planned, and Gartner puts maintenance at over 70% of IT budgets - two reasons buying a Loan Management Platform now beats building one from scratch.
Read post1 December 2025 · 1 min read
Creditonline Joins the Reiz Tech Ecosystem
Creditonline, in operation for more than 18 years, has joined the Reiz Tech ecosystem, gaining access to additional engineering resources for AI-driven automation and deployment across Europe, Asia, Africa, and Latin America.
Read post27 October 2025 · 4 min read
How a Configurable LMS Opens the Door to Any Loan Segment
Traditional lending systems split products into silos, where launching a new loan can take 9 to 18 months. CreditOnline's configurable core lets lenders build and deploy a new product, from sub-second payday decisions to long-term secured loans, without writing custom code.
Read post