OCEN Lending API Integration
Embed credit into your platform via the Open Credit Enablement Network — loan offers from multiple lenders.
What OCEN Lending API integration does
The Open Credit Enablement Network lets a platform embed credit without becoming a lender. Your product acts as a loan service provider — you own the customer relationship and the journey; registered lenders provide the capital and carry the credit risk.
This matters most where the platform already holds the underwriting signal. A B2B marketplace can see a seller's order history; an accounting product can see receivables; a logistics platform can see consignment volume. That data is exactly what a lender needs and cannot otherwise obtain, and OCEN is the protocol that lets it be used — surfacing offers from multiple lenders inside the flow where the customer already is, rather than redirecting them to a lending site where most of them will not arrive.
What teams build with it
Embedded working capital
Offer credit inside your platform at the moment of need — an invoice raised, a purchase order received, a checkout in progress.
Invoice financing
Combine OCEN with GSTN and Account Aggregator data to underwrite against verified business activity.
Multi-lender offers
Surface competing offers from several registered lenders instead of tying customers to a single partner.
Seller and merchant credit
Extend credit to marketplace sellers using the transaction history your platform already holds.
Endpoints included
POST/ocen/v1/loan/offersReturns indicative loan offers for a borrower profile.
Try it in the sandbox
https://sandbox.aeologic.io/ocen/v1/loan/offers{
"borrower_id": "BRW-7781",
"amount": 50000,
"tenure_months": 12
}What you need before we start
- Clarity on your role as a loan service provider rather than a lender
- Lender relationships, which we can help scope
- Platform data that can support underwriting
- A borrower journey design including disclosures and consent
How we deliver it
- Role and partner scoping
- Protocol implementation for offer discovery and application flow
- Sandbox integration against lender reference implementations
- Production rollout with monitoring on offer and conversion rates
Related Commerce integrations
Industries using OCEN Lending
OCEN Lending API integration — FAQs
Does using OCEN make us a lender?
No. You act as a loan service provider surfacing offers from registered lenders. The credit sits with the lender; the customer experience sits with you.
What data is needed to generate offers?
Lender-specific, but typically identity, business verification and financial signal — which is why OCEN is usually deployed alongside Account Aggregator and GSTN.
Is this integration available now?
OCEN is currently in certification with our engineering team and can be included in a scoped engagement with a confirmed delivery date.
Ship OCEN Lending in days
Tell us your stack and we'll wire up OCEN Lending API integration for your team.
Talk to Aeologic