Cloud Lending
Cloud Lending is a private financial lending software company founded in 2012 in San Mateo, California, serving lending institutions. It has 101-250 employees and has raised approximately $32 million+ in venture funding from Cota Capital, Green Visor Capital, SF Capital Group, and others.
- Company typePublic
- Founded2007
- HeadquartersSan Mateo, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Cloud Lending does
Cloud Lending is a private software company that develops solutions for the financial lending industry, founded in 2012 and headquartered in San Mateo, California. With an employee base of 101-250 people, the company operates as a mid-stage enterprise software provider serving financial institutions with lending-focused technology. The firmographic data and disclosed product descriptions characterize Cloud Lending as a vertical software company in the lending space, though specific product-level details are not available in the input data.
Cloud Lending firmographics
Firmographics- Name
- Cloud Lending
- Legal name
- Q2 Software, Inc.
- Website
- https://cloudlendinginc.com
- Company type
- Public
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Cloud Lending is a private financial lending software company founded in 2012 in San Mateo, California, serving lending institutions. It has 101-250 employees and has raised approximately $32 million+ in venture funding from Cota Capital, Green Visor Capital, SF Capital Group, and others.
- Ownership category
- akta.pro rank
Cloud Lending industry classification
Industry- Product category
- Lending Software
- NAICS
- Software Publishers (5132), Credit Intermediation and Related Activities (522)
- SIC
- Services-Prepackaged Software (7372), Loan Brokers (6163)
- akta.pro primary industry
- Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Cloud Lending is headquartered
LocationHeadquarters
- HQ city
- San Mateo
- HQ country
- United States
- HQ region
- North America
Markets served
Cloud Lending business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Digital Banking Platform Subscription: SaaS-based digital banking solutions for financial institutions including consumer, SMB, and commercial banking capabilities. Delivered as recurring subscription model to banks and credit unions.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Cloud Lending product offering
Product offeringCore offering
Cloud Lending develops software for the financial lending industry. Its aggregated portfolio includes a cloud-based digital banking and lending platform with consumer, small business, and commercial banking modules; digital account opening and onboarding; AI-driven risk and fraud management; relationship pricing and profitability tools; alternative finance lending (AltFi Lending / Symphonix); an embedded finance platform (Helix); and a digital-only brand solution (Fabric). The offering is delivered as a SaaS subscription to banks, credit unions, and other financial institutions.
Product overview
Cloud Lending operates as a platform-plus-modules architecture providing digital banking solutions for financial institutions. The core Digital Banking platform serves as the central infrastructure, supplemented by specialized modules including Consumer Banking, Small Business Banking, and Commercial Banking. Additional core products include Digital Onboarding (for account opening and fulfillment), Risk & Fraud Management (with Account Takeover Protection, Behavioral Analytics, Dispute Management, Positive Pay, ACH Processing, and Access Control), and Relationship Pricing & Profitability (featuring Commercial Credit Pricing, Treasury & Deposit Pricing, Market Insights, and Small Business Package). The portfolio includes sub-brands such as AltFi Lending (Symphonix) for alternative finance and Embedded Finance (Helix) for building embedded banking products. AI capabilities are unified through Q2 Assistant, embedded across the entire product portfolio.
Differentiator
Problem solved
Functional benefit
Brands
- Fabric: Digital-only brand solution enabling financial institutions to create and accelerate their digital brand.
- PrecisionLender
- Symphonix
- Helix
Products and services
- Digital Banking A single platform solution for commercial and consumer banking that serves as the core digital banking infrastructure for financial institutions (banks and credit unions).
- Digital Onboarding Comprehensive onboarding solution for primary relationships, including consumer account opening, treasury fulfillment, direct deposit and card switching, getting started, and add-account flows.
- Risk & Fraud Management Automated risk management and fraud protection suite for financial institutions, including account takeover protection, dispute management, positive pay, ACH processing and reporting, behavioral analytics, and access control.
- Relationship Pricing & Profitability Profitability optimization tooling that structures optimal deals meeting account holder needs, with modules for commercial credit pricing, treasury and deposit pricing, market insights, and a small business package.
- Q2 Assistant Unified AI experience embedded across the product portfolio, providing real-time coaching, faster answers for financial institution staff, and streamlined vendor support.
- AltFi Lending (Symphonix) Alternative finance lending solution that enables financial institutions to compete and win in the lending market.
- Embedded Finance (Helix) Embedded banking platform that enables clients to build scalable, profitable embedded banking products.
- Fabric (Digital-Only Brand) Digital-only brand solution that enables financial institutions to create and accelerate their digital brand.
- Fraud Intelligence AI-driven fraud prevention solution tailored to every customer with dynamic fraud protection capabilities.
Quantifiable outcome
- 25% higher deposit growth for Q2 clients (2018-2023)
- +4 more outcomes
Companies that use Cloud Lending
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Cloud Lending technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature4 records
Cloud Lending partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- SymphonixcoreSymphonix is an AltFi Lending solution under Q2's product portfolio, enabling financial institutions to compete and win in the lending market.
- HelixcoreHelix provides embedded finance capabilities, allowing Q2 to help clients build scalable, profitable embedded banking products.
Scale indicators7 records
Recent moves5 records
Expansion highlights4 records
Cloud Lending competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cloud Lending social profiles
Digital presenceCloud Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cloud Lending leadership team
Management profileNumber of profiles
Profiles10 records
Cloud Lending funding detail
Funding detailFunding overview
Funding rounds7 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cloud Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cloud Lending
What does Cloud Lending do?
Cloud Lending develops software for the financial lending industry. Its aggregated portfolio includes a cloud-based digital banking and lending platform with consumer, small business, and commercial banking modules; digital account opening and onboarding; AI-driven risk and fraud management; relationship pricing and profitability tools; alternative finance lending (AltFi Lending / Symphonix); an embedded finance platform (Helix); and a digital-only brand solution (Fabric). The offering is delivered as a SaaS subscription to banks, credit unions, and other financial institutions.
Is Cloud Lending a public or private company?
Cloud Lending is a public company. It is classified as venture growth investor backed and is currently operating.
When was Cloud Lending founded?
Cloud Lending was founded in 2007. It employs 101 to 250 people.
Where is Cloud Lending based?
Cloud Lending is headquartered in San Mateo, United States, in the North America region.
How does Cloud Lending make money?
One revenue line is on record: digital Banking Platform Subscription.
Does Cloud Lending have an API?
Yes. Cloud Lending exposes a public API. Developer documentation is at q2developer.com/login.
What industry is Cloud Lending in?
Cloud Lending's product category is Lending Software. Its primary akta.pro industry code is FSAGAAAC, Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 5132 and its SIC code is 7372.