Digital lending expertise

Our founders were among the earliest innovators in online lending, and NinjaEdge is born from decades of experience with big data and consumer credit risk 

Built by lenders for lenders

NinjaEdge is a spin-out from NinjaHoldings which has been lending under the CreditNinja and NinjaCard brands since 2017. As one of the leading digital lenders in the U.S., NinjaHoldings has underwritten hundreds of millions in loans on the basis of cutting-edge bank data analytics. Through NinjaEdge, that innovation is now offered and utilized across the consumer lending industry.

Rewarding responsibility

For us, open banking isn’t just about access. It’s about empowerment. Consumers should be in control of their data and in control of their destiny. This includes the financial choices they make every day – how they earn, spend, and save – and in turn how the financial system engages then evaluates their creditworthiness. When we look beyond the recursive paradigm of traditional risk scores, their true ability and willingness to make good on financial obligations are revealed. In doing so, we open the doors of possibilities for millions of consumers historically unserved and underserved as well as the businesses here to help them along the way.

Our clients

NinjaEdge enables a wide range of risk industries united by the common mission to empower everyday Americans who haven’t seen a square deal from the financial system and risk scoring establishment. With our uniquely actionable cash flow underwriting solutions, clients unlock real-time consumer insights to drive profitable growth.

Online Personal Lending

Buy Now Pay Later (BNPL) / Point-of-Sale (POS) Financing

Credit Unions & Community Banks

Property Management

Our partners

We couldn’t do it without you. From upstream data providers to downstream platforms delivering our service as well as channel partners supporting our mutual clients with adjacent services, NinjaEdge participates in the ever-growing fintech ecosystem with an active and rewarding partnership effort.

Data Aggregators

Platform Partners

Channel Partners

Let’s work together.

Get in touch with us to explore partnership opportunities.