Lending & Wage Advance Payments

Payments automation for lending

Automate how money moves across the full lending and wage advance lifecycle. Disburse instantly, collect reliably and scale without adding operational complexity.

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Trusted by 50+ lenders

Lending and wage advance

Slow disbursements, failed collections, and manual back-office work don't just create operational drag, they put a ceiling on growth.

Borrowers don’t wait

Speed from application to funds in account shapes your customer experience and your conversion. Delays don't just frustrate borrowers, they push them to whoever moves faster.

Failed payments

Exceptions are rare but expensive. Without automated fallback flows and multi-rail collections, every failure becomes a back office burden.

More loans, more overhead

Reconciliation, exception handling, payment chasing. As volumes grow, fragmented payment operations turns routine ops into a ceiling on growth.

We provide the accuracy, control and reliability lenders need to scale payment operations.

Other providers

Separate providers for disbursements and collections

Costs that scale with transaction value

Manual follow-up on every failed collection

Manually matching payments to each loan

With Modulr

One integration for disbursements and collections

Flat, transparent costs

Multi-rail retries with Pay by Bank and VRP

Automate real-time reconciliation

Lending and wage advance

Fund borrowers instantly, any time

Pay borrowers with instant, 24/7 bank transfers via Faster Payments and SEPA. Each borrower gets a unique sort code and account number, with repayments matched automatically from day one.

Collect repayments automatically

Collect across Direct Debit, Pay by Bank and Variable Recurring Payments - all from one platform. If a payment fails, configurable fallback logic reroutes it automatically. A full audit trail from instruction to settlement.

The account layer for specialist lending

For earned wage access, merchant cash advance and revenue-based finance, repayment runs through the account layer itself. Unique sort codes and account numbers per borrower or merchant, with real-time visibility and flexible fund flows for salary deductions, revenue splits and non-standard repayment models.

A regulated platform with direct scheme access

Operate in your own name, retain full ownership of your payment setup and get complete visibility across the lifecycle.

FCA-regulated in the UK, DNB-regulated in Europe
Direct access to Faster Payments, SEPA, Bacs and CHAPS
Operate in your own name with full control and visibility
Dedicated lending account management with specialist experience

Why Modulr

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Operational efficiency

Whether you're running merchant cash advance, earned wage access, invoice finance or B2B credit, the account architecture, repayment flows and capital structures are tailored around your model, not a generic template.

Accuracy and control

Automated repayment at source, per-borrower account structures and transaction-level reporting give you the operational control and auditability your board and funders expect - without the manual overhead.

Built to scale

With over a decade of lending expertise and 50+ lenders on the platform, we've shaped how we build to handle the complexity of fund flows. Funder reporting and capital efficiency aren't edge cases we work around, they're what we designed for from the start.

Lending and wage advance

Integrate

Connect via our API. Modulr gives you access to payouts, collections, and accounts.

Disburse

Send loans or earned wages instantly via Faster Payments. Individual or bulk, scheduled or on-demand. Funds arrive in real time.

Collect

Collect repayments automatically via Direct Debit or Variable Recurring Payments. When a payment fails, retry instantly with a Pay by Bank recovery link.

Reconcile

Match repayments against disbursements in real time. Every transaction settles into your Modulr account with a full audit trail.

Lending and Wage Advance

Business Lenders

We work with leading business lenders to help them to scale by streamlining payment collections, enabling instant money transfers, and simplifying financial tracking.

Consumer Lenders & Wage Advance

We provide the financial infrastructure and tools to consumer lenders, wage advance and financial wellbeing platforms to drive innovation in consumer finance.

Robert Keown-Boyd

Payroll Administrator

"What Modulr does really well is plumb a lot of our key services together. We wouldn’t have been able to create this type of service without Modulr."

Rob Straathof

CEO

"Modulr has made the customer journey a lot slicker, smoother and faster, which has allowed us to invest more in customer experience, customer service, and hopefully, continue to grow the business."

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Ben Preston-Marriott

Product Director

"All in all, Modulr’s reduced the time we spend on admin by at least 75%. It’s been remarkable."

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Tim Phillip

Chief Operating Officer

"Quite simply, Modulr offered a great solution for our business needs. Where we were faced with complexity, which would have slowed development, Modulr has brought us simplicity, clarity, speed to market and great service"

Built for Developers

Explore documentation

Extensive library of user and implementation guides

Full API reference for all products

Sandbox with live environment emulation

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                curl --request POST
                --url https://api-sandbox.modulrfinance.com/api-sandbox-
                token/payments
                --header 'accept: application/json'
                --header 'authorization: <API KEY>'
                --header 'content-type: application/json;charset=UTF-8'
                --data '{"amount":10,"destination":
                {"accountNumber":"12445678","name":"My
                beneficiary","sortCode":"000000","type":"SCAN"},"reference":
                "My payment","sourceAccountId":"<YOUR ACCOUNT ID>"}'
              

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