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FinTechSME Lending

CrediFit: SME Lending Product Proof of Concept in 8 Weeks

A finance founder had validated the service manually. Ostride turned that workflow into a working loan application product that real users could test.

  • 8-week proof of concept
  • Tested with real users
  • Designed for future identity, AML and lender integrations
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FinTechSME Lending
Australia

Engagement

8-week proof of concept plus a planned full-platform build.

Core need

Turn a manual lending workflow into a technical product foundation.

Key work

Loan application flow, structured data capture, lender report and compliance-aware architecture.

The product needed more than a digital form

CrediFit's founder had validated the service by helping small and medium businesses prepare loan applications manually. The process worked, but it depended on his time and could not scale.

The risk was building a form that worked in demonstrations but could not support the next stage of a regulated lending product. The product needed to collect business information once, organise it logically and generate a lender-ready report without blocking future integrations.

CrediFit

What Ostride did

Built the working proof of concept

We delivered a working proof of concept in eight weeks: a multi-step loan application flow, structured data capture and a downloadable lender report. Real users from the founder's network tested the flow, questions and report format, with weekly iterations based on feedback.

Helped shape the product direction

Testing led to two product decisions: the report became lender-agnostic, and the product focus shifted towards non-bank financial lenders that better matched SME loan sizes.

Prepared the next phase

We designed the data model and flows so identity verification, AML checks and lender integrations could be added during a later build without redesigning the product. These external integrations were deliberately deferred from the eight-week proof of concept.

The planned full-build work includes business and beneficial-owner verification, compliance checks, lender-agnostic reporting and per-report payments.

Technical approach

Frontend
Hosting
Backend
Backend
Database and storage
Database and storage
Infrastructure

Results

  • A working SME lending proof of concept was delivered in eight weeks.
  • Real users tested the application flow and lender report.
  • Testing confirmed the value of a lender-agnostic report.
  • The product focus shifted towards non-bank lenders that better matched SME loan sizes.
  • The work established a technical foundation for a later build phase, including future identity, AML and lender integrations.

Strategic takeaway

A regulated lending product needs more than a working form. Its data model and decision flow must be ready for the integrations that come next.

CrediFit moved quickly because finance expertise, product decisions and engineering delivery happened together.

Their open approach built trust quickly. A trusted partner in our journey.

CrediFit

Goos Lustig

CEO & Founder

Goos Lustig
CrediFit
Goos Lustig

Goos Lustig

CEO & Founder

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Use a focused workshop to make the product architecture, critical dependencies and next build decisions clear before a larger implementation commitment.

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Technical Architecture Workshop

Use a focused workshop to make the product architecture, critical dependencies and next build decisions clear before a larger implementation commitment.

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