LoanPro and KOHO Partner to Revolutionize Canadian Credit Infrastructure

Canadian fintech KOHO has partnered with LoanPro to integrate the latter’s API-first lending and credit platform into its infrastructure. For fintech professionals, this move highlights the growing demand for modular, configurable back-end systems that allow consumer-facing brands to scale complex credit products while maintaining full control over the user experience and regional regulatory compliance.

What was announced

KOHO is utilizing LoanPro’s platform to support the launch and scaling of new financial products for its members. While KOHO retains ownership of the mobile application interface and product design, LoanPro’s technology will handle the underlying operational heavy lifting, including billing, servicing, and reporting. This separation allows KOHO to focus on front-end innovation while relying on a core infrastructure designed for flexibility.

A key driver for this partnership is the specific regulatory landscape of the Canadian market. LoanPro’s platform is configurable to meet provincial requirements, such as those unique to Québec, which often present hurdles for fintechs operating across Canada. By using an API-first approach, KOHO aims to bring products to market faster without the constraints of rigid legacy cores. The partnership positions LoanPro as the foundational layer for KOHO’s next phase of product development, providing the tools necessary to manage credit and lending lifecycles at scale. The platform is designed specifically for lenders and financial institutions that require a modern alternative to traditional, rigid core banking systems.

"At KOHO, we're building fundamentally different products that help Canadians make real financial progress, and that requires infrastructure that moves as fast as we do."

Rusen Baragiola, Chief Product Officer, KOHO

The companies involved

KOHO is a prominent Canadian financial technology company that has established itself as a major player in the country’s digital banking space. It has earned the trust of millions of users by offering simplified money management tools, including spending accounts and savings features. The company focuses on providing alternatives to traditional banking for the Canadian market, often targeting segments underserved by the "Big Five" banks. LoanPro is a modern lending and credit platform designed to provide lenders, financial institutions, and fintechs with a highly configurable core. Its API-first architecture is built to replace or augment rigid legacy systems, allowing for the rapid deployment of new financial products. Based in the United States, LoanPro has expanded its footprint by partnering with various payment processors and technology providers to streamline the lending lifecycle. The company’s platform is specifically engineered to handle the complexities of loan servicing and credit management, making it a strategic partner for firms looking to innovate in the credit space without building their own back-end infrastructure from scratch.

What FF News has reported before

FF News has followed both companies closely as they expand their technological capabilities. We previously covered how KOHO Launches Enhanced Savings Features to Drive Smarter Digital Money Management, marking a significant step in its product evolution. LoanPro has also been active in the AI space; we reported on how LoanPro and AllCloud Launch Claude-Powered AI to Slash Loan Servicing Call Times by 15%. Additionally, the company has focused on payment efficiency, as seen when LoanPro Launches AI Servicing Agents and Real-Time Card Disbursements for Lenders and through a strategic move where CheckAlt and LoanPro Partner to Streamline Payment Processing and Receivables for Lenders.

What this means

This partnership signals a shift in the Canadian fintech sector toward "decoupled" infrastructure. As consumer expectations rise, fintechs can no longer afford the development lag associated with building proprietary back-ends for every new credit product. By outsourcing the "plumbing" to a specialist like LoanPro, KOHO puts pressure on traditional Canadian incumbents who often struggle with the speed of product iteration due to legacy tech debt. The emphasis on Québec-specific compliance also highlights a growing trend: global infrastructure providers must now offer hyper-local configurability to win in markets with fragmented regulatory landscapes. The question for the sector is whether this modular approach will become the standard for all mid-to-large scale fintechs.