Unsecured, Automated Business Loan Solution

Small business owners in your community often face unique challenges when they need funding to grow their business. Traditional underwriting methods involve a credit check and records of historical cash flow—something that many small business owners cannot produce, due to fluctuations in business activity and unpredictable cash flow. When business owners need a small loan to bridge a gap in short-term liquidity, they need help quickly and easily. That’s why we developed Akouba Micro, specifically designed to provide small-dollar business loans quickly, efficiently and compliantly.

When your business account holders apply for a loan through Akouba Micro, our system calculates the account holder’s ability to repay the loan, based on their transactional account history. The automated process does not use credit-based decisioning or a credit score to determine eligibility. Funds will be available in their account within minutes. Your institution controls all loan parameters, including pricing and repayment terms.

What If...

  • You could provide your business account holders with 24/7 digital access to short-term liquidity?
  • You could play a key role in helping your community’s small businesses thrive?
  • You could implement such a program that is completely automated, regulator-friendly and requires no loan officers?

Small-Dollar Business Loans

Key Product Features

Revenue

Akouba Micro delivers a new revenue stream from business account holders that would be spending high fees to obtain credit elsewhere.

Efficient

Fully-automated program requires no additional support staff or loan officers.

Underwriting

Loans are underwritten by Velocity’s proven proprietary underwriting technology, which utilizes alternative data—a method encouraged by several regulatory agencies.

Valuable Service

Provide your business account holders with loans that are affordable and responsible, increasing loyalty and retention.

Website Access

Velocity develops your white-label website with your colors and logo, so your account holders can apply for a loan 24/7.