Solution benefits
Become the go-to bank for small businesses
With Backbase, you can deliver segment-based banking experiences and personalized products at scale with the perfect mix of digital and human touch. Customize and expand pre-built onboarding, lending, servicing, and investing capabilities to create unique experiences for your customers, employees, and processes.
Onboarding and origination
Attract small businesses with a fast and seamless experience
- Opening a new account and requesting a loan should be easy on your customers and your bank.
- Add new digital onboarding and loan origination experiences to your existing mobile and web apps using pre-built journeys. Use transaction data to identify and convert small business owners in your retail customer base.
Meet small businesses at the point of need by easily embedding journeys into partner e-commerce sites and points of sale.
Digital banking
Lower cost to serve with personalized digital service at scale
Provide digital services to small businesses without breaking the bank.
Digitize your small business services and give small business owners the freedom to self-serve anytime, anywhere—with mobile and web banking apps designed just for them.
Drive cross- and up-sell opportunities by leveraging transaction and firmographic data to deliver AI-powered advice and tailored recommendations right within your small business applications.
Smart customer servicing
Equip relationship managers with intelligent workspaces
Give your employees the tools needed to effectively support small businesses.
Boost relationship manager productivity with unified, AI-powered workspaces that provide smart customer insights and next-best action suggestions.Â
Equip relationship managers and customer support teams with collaborative tools to support small businesses when and where needed, whether it’s in-app chat, call, video conferencing, or face to face in the branch.
Banking services and beyond
Become the one-stop shop for small businesses
Move beyond just banking and offer your small business customers the support they need.
Increase share of wallet by delivering value-added digital services that help small business owners run and grow their companies.
From everyday tasks like payments and transfers to advanced tools like invoicing, cash flow forecasting, treasury management, and business investing—launch new digital value propositions fast without building everything from the ground up.
Small business offerings banks and credit unions launch with Backbase
Onboarding
- Digital business account opening
- In-branch business account opening
Lending
- Business credit card origination
- Unsecured small business loan origination
- Line of credit origination
- Invoice financing origination
- Embedded/point-of-sale origination
Servicing
- Mobile banking app
- Small business banking portal
- Customer service workspace
- Relationship manager workspace
- Middle and back office workspace
Investing
- Small business liquidity solutions
- Small business trading
Collaborating with Backbase has been an enriching journey, helping us accelerate our digital transformation and improve the daily operations of our teams.
Emmanuel Courtaud, Product Owner at Mauritius Commercial Bank
Features
Small business banking capabilities
• One-Time Password (OTP) • Eligibility Questionnaire • Loan Calculator • Terms and Conditions • Company Lookup • Personal Data Capture • Address Validation • Residency Declaration • Credit Score • Pre-Qualification Questionnaire • Pre-Qualification Decisioning • Account Import • Identity Verification (ID&V) • Credit Risk Assessment • Financial Spreading • Document Request • Credit Report • Credential Creation • Adverse Action Notice (AAN) • Loan Offer • PDF Generation
• Dashboard • Entitlements • Account Statements • Payments • Card Management • Accounts & Transactions • Cash Flow Forecasting • ACH Positive Pay • Check Positive Pay • Remote Deposit Capture • Product Explorer • Loan Servicing • Contacts • Authentication • Appointments • Real-time Communication • Batches
Why Backbase
Secure, compliant & scalable
Manage identity, entitlements, signatures and device management without compromising on user experience. Leverage a cloud native platform built with security, scalability and architecture best-practices in mind.
Proven experience
Our technology and professional services power 40+ business banks, credit unions and community banks around the world.
Our customer successes
200%
Increase in direct small business lending in 1 year
30%
Decrease in small business onboarding costs
+266%
Increase in number of transactions by small businesses
Featured content
The latest insights
Explore our collection of educational resources and deep dives into engagement banking.
