Enhancing Private Credit through Innovative Risk Analytics & Digital Finance

InState’s platform unlocks accessible, flexible, risk-priced alternative credit products – enriched by powerful financial SaaS

Our technologies enable a unique alternative to traditional banking – in financing, investment, analytics, advisory & administration


Who We Serve

The InState platform features deliver key advantages 

 across credit market participants

Alternative Lenders
& Fintech Companies
  • Lender Financing
  • Automated Credit Underwriting
  • Credit Portfolio Management
  • End-to-end Digital Operations

Credit Funds
& Investment Companies
  • Private Credit Investment
  • Investment Underwriting
  • Asset & Investment Management
  • End-to-end Digital Operations

  • Business Financing
  • Liquidity Management
  • Treasury Management Analytics

Private Individuals
& Family Offices
  • Specialty Personal Finance
  • Private Credit Investment
  • Wealth Management Analytics


Our SaaS Offerings

Financial Intelligence Software and Alternative Finance Operating System OS

to reveal insights, inform strategies and manage your credit activities

Financial Analytics Suite

Discover data-driven intelligence on your financials

Our algorithms reveal deep insights, risks and opportunities based on your

Credit Portfolios, Business Financials and Private Investment Portfolios

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Platform as a Service (PaaS)

Modernize your end-to-end credit operations

Our cloud-based financial credit Operating System is a

cutting-edge, intelligent, flexible alternative banking platform

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Credit Marketplace Offerings


InState operates and manages innovative digital financial marketplaces

offering financing and investment products, uniquely customized by our algorithms

Lender’s Market

A novel wholesale credit marketplace

brings together Private Lenders, Credit Funds and Investors

in a risk-managed, cost-efficient and flexible manner

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The InState Network

Business Financing & Investment
Currently in stealth


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Get to know our tech platform

The Five A’s
Analytics | Accounting | Administration | Automation | APIs

The InState platform’s array of features enable cutting-edge, end-to-end digital lending, asset management and credit investment operations.

We fuse deep financial risk analytics, with transactional core banking and DLT-secure account and record keeping. Financial administrative features are handled by embedded software, and workflows are executed by a dedicated automation engine. User interfaces are made available via modern APIs and web UI.

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To schedule a demo or to get started