Pebole
Crowdlending platform connecting retail investors to vetted SME loans — KYC-gated onboarding, portfolio diversification and monthly repayment tracking.
- Client
- Pebole
- Industry
- Financial Services
- Timeline
- 16 weeks
- Team
- 3 engineers
The brief
Pebole — backed by THEA, EGG and Envolve — needed a regulated-grade crowdlending platform: vetted business loans on the supply side, retail investors with KYC and portfolio tooling on the demand side, and a monthly repayment engine connecting the two. Audit-ready from day one.
The approach
- 01
Designed two distinct journeys — investor onboarding (KYC, risk profile, source of funds) and borrower vetting — with a shared compliance audit log.
- 02
Built loan modelling with risk grading, term structures and a diversification helper that nudges investors away from concentration.
- 03
Implemented the monthly repayment engine: schedule generation, escrow flows, distribution to investor wallets, and reconciliation with the payment processor.
- 04
Shipped an admin back-office for loan committee review, KYC remediation queues and regulatory exports — every state change captured immutably.
The outcome
A regulated-grade platform ready for retail launch — investors complete KYC and fund vetted loans in a single flow, and the operations team runs underwriting, repayments and audit from one back-office.