SBS launches cloud-based lending platform

By Aarav Garg

SBS, a France-based FinTech company, has launched SBS Lending Suite, a modular, cloud-based platform designed to help banks and financial institutions modernise their lending operations.

The platform is intended to address challenges faced by legacy credit systems, including increasing regulatory requirements, product complexity and competition from fintech and digital-first banks. SBS Lending Suite offers a fully integrated system that can also be deployed in parts, covering the entire credit lifecycle across both retail and corporate lending.

Built on configurable modules, the platform allows institutions to implement specific functions as needed. Core components include loan servicing, which supports a range of products from buy now, pay later (BNPL) to mortgages and syndicated loans, and collection management, which covers the full debt recovery process. The suite uses AI-driven strategies to improve recovery rates, manage risk and enhance cash flow.

Additional capabilities include collateral and default management, international banking functions and financial analysis tools.

SBS said more than 80 million contracts have already been processed through its standalone modules, with clients including major financial institutions such as Société Générale, BNP Paribas and Crédit Agricole.

According to the company, clients have reported up to a 40% reduction in operational costs and 40% faster integration, supported by API-based architecture and preconfigured connectors.

François Cueille, General Manager at SBS, said, “Modularity is not a technical choice; it’s a business strategy. With SBS Lending Suite, banks can adopt the components they need today and expand at their own pace, without disrupting live operations. The result is a lending platform that is both resilient and truly flexible, one that adapts to the institution, not the other way around.”

SBS Lending Suite embeds AI to improve credit decisions, risk management and operational efficiency, while built-in compliance supports frameworks such as Basel, IFRS 9 and GDPR, reducing audit complexity. Available as SaaS or private cloud, it supports varied data sovereignty needs, making it suitable for institutions across sizes and markets.