LendingKit

Loans, credit, and buy-now-pay-later

LendingKit orchestrates the full lending lifecycle — from credit check (SIMAH) through disbursement through repayment tracking. It normalizes Tamara, Postpay, and Tabby BNPL into a single interface. A developer offers 'pay in 4' without knowing which BNPL provider is serving each transaction.

The integration tax, eliminated.

Stop wiring together fragmented APIs. LendingKit abstracts the complexity behind a single canonical interface so you can focus on your product.

The Old Way

Read 4+ different API docs

Handle varying authentication methods

Normalize fragmented data schemas

Build custom failure and retry logic

Maintain integration debt forever

Time to launch

Months

Engineers Required

3-5

With LendingKit

Install single unified SDK

Authenticate once with hyperscale keys

Write code against canonical schema

Built-in routing, retries & fallbacks

Switch providers without code changes

Time to launch

Hours

Engineers Required

Everything you need.

LendingKit comes battery-included with 5 out-of-the-box capabilities designed for scale.

Loan Application

Digital loan origination with automated decisioning

Credit Scoring

Pull SIMAH credit reports for risk assessment

BNPL Checkout

Pay-in-4 and installment options at checkout

Installment Management

Track and manage payment schedules

Collection Tracking

Automated reminders and collection workflows

Drop-in UI Components

Zero-build embedded experiences.

Product Managers love LendingKit because you don't have to build the UI from scratch. Drop our secure, compliant React widgets directly into your app.

Fully customizable styling to match your brand
Handles complex edge cases and error states automatically
Always up-to-date with compliance regulations

import { LendingKitWidget } from '@hyperscale/react';

export default function App() { return (
<LendingKitWidget
theme="light"
onSuccess={handleSuccess}
/>
);
}

The Inverse Adapter.

LendingKit sits above the Hyperscale SuperGraph, abstracting downstream providers entirely so you only have to write code once.

Your Application

import { LendingKit } from '@hyperscale/sdk'

Loan Application

Credit Scoring

BNPL Checkout

Installment Management

Collection Tracking

LendingKit

Tamara

Postpay

Tabby

SIMAH

Developer Experience

Beautiful, strongly-typed SDKs for modern languages.

typescript

1import { LendingKit } from '@hyperscale/sdk'
2
3const lending = new LendingKit({ apiKey: 'hs_live_...' })
4
5// Offer BNPL at checkout
6const plan = await lending.createInstallmentPlan({
7  customerId: 'cust_abc123',
8  amount: 120000, // 1,200 SAR
9  installments: 4,
10  frequency: 'biweekly',
11})
12
13console.log(plan.schedule) // [300 SAR x 4 payments]
14console.log(plan.provider) // 'tamara' (auto-selected)

Plays well with others.

LendingKit composes seamlessly with the rest of the Hyperscale ecosystem.

AuthKit

Identity, verification, and compliance in a box

PaymentKit

Accept, process, and move money

CheckoutKit

Beautiful checkout, zero code

CommerceKit

E-commerce and point-of-sale

Part of these Blueprints.

LendingKit is a core component of these ready-to-deploy business solutions.

lending

Buy Now Pay Later

Launch a full BNPL product in weeks, not years

3-4 weeks to launch

AuthKitPaymentKitLendingKitCheckoutKit

lending

Micro-Lending Platform

Micro-loans from application to disbursement, automated

3-4 weeks to launch

AuthKitAccountKitLendingKitPaymentKit

commerce

E-Commerce Marketplace

Multi-vendor marketplace with built-in fintech

4-5 weeks to launch

AuthKitCommerceKitCheckoutKitPaymentKitLendingKit

commerce

Auto Marketplace

Car buying and financing, end-to-end

3-4 weeks to launch

AuthKitAccountKitPaymentKitLendingKit

lifestyle

Travel Super App

Flights, hotels, payments, and insurance in one platform

4-6 weeks to launch

AuthKitTravelKitPaymentKitLendingKitInsuranceKit

Transparent Pricing

No complex tiers for infrastructure. Pay for the value you deliver to your users.

Per loan/installment

Free tier

Perfect for sandboxing and early traction.

50loans/month

Production

Scales infinitely with your growth.

From 2 SAR per disbursement

Start building with LendingKit.

Install the SDK, grab your API key, and make your first call in minutes.

Read the docs Explore all kits

Zero-build embedded experiences.

Product Managers love LendingKit because you don't have to build the UI from scratch. Drop our secure, compliant React widgets directly into your app.

Fully customizable styling to match your brand

Handles complex edge cases and error states automatically

Always up-to-date with compliance regulations

1import { LendingKit } from '@hyperscale/sdk' 2 3const lending = new LendingKit({ apiKey: 'hs_live_...' }) 4 5// Offer BNPL at checkout 6const plan = await lending.createInstallmentPlan({ 7 customerId: 'cust_abc123', 8 amount: 120000, // 1,200 SAR 9 installments: 4, 10 frequency: 'biweekly', 11}) 12 13console.log(plan.schedule) // [300 SAR x 4 payments] 14console.log(plan.provider) // 'tamara' (auto-selected)