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Cloud Lending

Full company profile

uuid0000zt4

Namestring
Cloud Lending
Legal namestring
Q2 Software, Inc.
Websiteurl
cloudlendinginc.com
Company typeenum
Public
Founded yearint
2007
Descriptiontext

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.

Short descriptiontext

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.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
101–250
akta.pro rankint
HeadquartersSan Mateo, United States
HQ citystring
San Mateo
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
lending software, loan origination, digital banking, fraud prevention, embedded finance
Industry2 codes
1Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts)
CodeFSAGAAACPrimaryYes
2Embedded Lending & Credit (POS, Working Capital, Credit Lines)
CodeFSAGALADPrimaryNo
NAICS code2 codes
  • Software Publishers5132
  • Credit Intermediation and Related Activities522
SIC code2 codes
  • Services-Prepackaged Software7372
  • Loan Brokers6163
Product category
Lending Software
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Digital Banking Platform Subscription
TypeSubscription Recurring
Description

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.

q2.com
Marketing channels5 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
GTM typeB2B
B2B
Offering typeSoftware
Software
Brand1 of 4 records shown
1Fabric
Description

Digital-only brand solution enabling financial institutions to create and accelerate their digital brand.

q2.com
+3 more records
Core offering1 text field

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.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 5 values shown
  • 25% higher deposit growth for Q2 clients (2018-2023)
+4 more records
Product overview1 text field

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.

Product and service9 records
1Digital Banking
CategoryDigital Banking Platform
Description

A single platform solution for commercial and consumer banking that serves as the core digital banking infrastructure for financial institutions (banks and credit unions).

2Digital Onboarding
CategoryAccount Opening and Onboarding
Description

Comprehensive onboarding solution for primary relationships, including consumer account opening, treasury fulfillment, direct deposit and card switching, getting started, and add-account flows.

3Risk & Fraud Management
CategoryRisk and Fraud Management
Description

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.

4Relationship Pricing & Profitability
CategoryCommercial Banking Analytics
Description

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.

5Q2 Assistant
CategoryAI Assistant
Description

Unified AI experience embedded across the product portfolio, providing real-time coaching, faster answers for financial institution staff, and streamlined vendor support.

6AltFi Lending (Symphonix)
CategoryAlternative Lending
Description

Alternative finance lending solution that enables financial institutions to compete and win in the lending market.

7Embedded Finance (Helix)
CategoryEmbedded Finance
Description

Embedded banking platform that enables clients to build scalable, profitable embedded banking products.

8Fabric (Digital-Only Brand)
CategoryDigital Brand / Digital Banking
Description

Digital-only brand solution that enables financial institutions to create and accelerate their digital brand.

9Fraud Intelligence
CategoryFraud Prevention
Description

AI-driven fraud prevention solution tailored to every customer with dynamic fraud protection capabilities.

Scale indicator7 records

Each record includes

Type, Value, Description, Source

Partnership2 partners
1Symphonix
Strategic tierCoreTypeTechnology or Integration
Description

Symphonix is an AltFi Lending solution under Q2's product portfolio, enabling financial institutions to compete and win in the lending market.

2Helix
Strategic tierCoreTypeTechnology or Integration
Description

Helix provides embedded finance capabilities, allowing Q2 to help clients build scalable, profitable embedded banking products.

Recent move5 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Market position
Competitive moat4 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers4 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment4 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
Yes

Docs URL, Description

AI capability7 records

Each record includes

Type, Description, Source

AI maturity
App detail

Has app

Feature4 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles10 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds7 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors8 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Cloud Lending

Lending Softwarecloudlendinginc.com

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.

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

  • Lending software
  • Loan origination
  • Digital banking
  • Fraud prevention
  • Embedded finance

Where Cloud Lending is headquartered

Location

Headquarters

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

  1. 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 offering

Core 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 profile

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Cloud Lending technology and API

Technology

Technology 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 signal

Partnerships

Two partnerships are on record, tiered core.

  • SymphonixcoreTechnology or IntegrationSymphonix is an AltFi Lending solution under Q2's product portfolio, enabling financial institutions to compete and win in the lending market.
  • HelixcoreTechnology or IntegrationHelix 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 assessment

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Cloud Lending social profiles

Digital presence

Cloud Lending financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Cloud Lending leadership team

Management profile

Number of profiles

Profiles10 records

Cloud Lending funding detail

Funding detail

Funding 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 investment

M&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.

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Live signals
FinovateQ2ebanking ArchivesA Finovate alumni roundup reports that digital banking provider Q2 Holdings completed its sixth acquisition since 2004, closing a $510 million purchase of PrecisionLender, a sales enablement platform. The company also announced an agreement to acquire Cloud Lending Solutions, with terms undisclosed, and previously acquired Gro Solutions. Q2 trades on the NYSE under QTWO with a $2 billion market capitalization.FinSMEsCloud Lending Solutions Receives Investment from ABN AMROCloud Lending Solutions received an undisclosed investment from ABN AMRO's Digital Impact Fund. The company will use the funds to further global expansion. The cloud-based lending software, built on Salesforce, is designed for banks and credit unions.FinSMEsCloud Lending Solutions Closes Undisclosed Financing RoundCloud Lending Solutions, a Salesforce-based loan and leasing platform, closed an undisclosed financing round led by Cota Capital with existing investors. The company will use the funds to expand globally, accelerate product growth, and invest in sales and marketing. Founded in 2012, it serves banks, credit unions, and online lenders.PR NewswireVaro Money Launches Lending Product OfferingVaro Money, Inc. announced the launch of consumer lending via its mobile app, with plans to issue credit products in multiple states through its own lending licenses. The fintech company has formed strategic partnerships with Silicon Valley Bank, Cloud Lending Solutions, Kasisto, The Bancorp Bank, and Galileo Processing to support its lending capabilities and payment processing. Varo also revealed that its app is currently in beta and expected to launch in the coming months, following a $27 million funding round led by Warburg Pincus in May 2016.FinSMEsCloud Lending Solutions Raises $8M in Series A Venture Capital FundingCloud Lending Solutions raised $8M in Series A funding led by SF Capital Group, with participation from Cota Capital, Long Light Capital, and existing investors. The San Mateo-based lending platform will use the funds for market expansion and engineering development. Total capital raised now stands at $10M.VC News DailyCloud Lending Solutions Grabs $8M in Series ACloud Lending Solutions announced the completion of an $8 million Series A funding round, aimed at market expansion and enhancing its engineering capabilities. The funding was led by SF Capital Group, with contributions from several other investors, bringing the total capital raised to $10 million since its pre-Series A round in 2014. The company has seen a growth rate of over 300% in the past year, now serving over 75 customers across more than 20 countries.