Real-time PoS financing platform for merchants

Nemuru enables eligible merchants to offer real-time financing to its customers at the point of sale (PoS), creating a simple and convenient payment alternative.

Nemuru originates the loan in real-time, allowing the customer to immediately purchase the goods/services from the merchant. Bank partners (lenders) rely on Nemuru’s technology to generate the credit decisions, and loans are directly transferred into lenders’ balance sheet.

From the customer point of view, the experience is fully paperless, simple and immediate. For lenders, it is a new origination channel that offers an attractive yield. The startup offers its financing solutions across multiple sectors, ranging from home improvement to education.


Founded: 2018
Invested: July 2020




Online lending