About 87% of all loan applications are rejected, so more than a billion individuals and enterprises stay unfinanced year after year. It’s got even worse nowadays when access to financing has been reduced due to the pandemic and the ongoing armed conflicts, particularly affecting low-income families and small businesses. Intended to increase financial inclusion for rejected borrowers, we built a cutting-edge marketplace to gather, match, and distribute data from loan applications. This way, we are building the ecosystem for connecting borrowers with alternative lenders as an efficient solution that saves time for one side and money for another. At our core, we complement the outdated and backward credit systems that discriminate against applicants based on historical and limited data rather than what someone can truly afford. Ninja Lender helps rejected borrowers get financed as well as allows partnering financial institutions to reduce the wastage of loan applications. By cooperating with Ninja Lender, banks, lending companies, credit comparison platforms, and P2P lenders will: - Accelerate financial inclusion for rejected borrowers. - Offer an opportunity instead of a negative decision as added value for clients. - Provide better customer experience and increase customer loyalty. - Reduce customer acquisition costs by getting paid for sending the data. - Get clients verified by other financial institutions. Our solution is unique and supports any type of loan application. We use API for exchanging data with financial institutions, and we also have a web application for borrowers, which allows us to get additional information and all the permissions we need. We act in line with responsible lending principles. Fairness and opportunity are at the center of our marketplace that helps individuals and businesses achieve economic security.