Case Study: You Lend

SAAS Platform

Let's Work Together

Facilitating Peer-to-Peer Lending for a New Era of Borrowers

In a world of increasingly high-interest rates and barriers to accessing capital, innovative fintechs like You Lend are leveraging technology to connect lenders and borrowers in mutually beneficial arrangements. As one of Australia’s foremost custom software developers and integrators, C9 had the expertise to bring You Lend’s ambitious vision to life—an adaptable SAAS platform facilitating peer-to-peer loans with integrated workflows, bank-grade security protocols, and extensive payment functionality.

Through close collaboration with stakeholders, C9 engineers implemented complex logic facilitating adjustable lending terms, automated matching algorithms, and flexible repayment schemes. Tight integration with third-party communication, storage, and financial platforms—including Twilio, AWS S3, and leading payment gateways—enhanced functionality and security. Compliant identity and access controls, multi-factor authentication, and rigorous validation workflows mitigate risk while supporting an accessible borrowing experience.

The end result is a proprietary peer-to-peer lending engine with API-driven scalability and white label potential, positioned to disrupt outdated lending models. Equipped with enterprise-grade capabilities tailored for modern digital finance, the You Lend platform facilitates billions in loan volume between verified lenders and borrowers annually.

This case study illuminates C9’s technical execution, navigating complex regulatory environments to make personalised lending solutions accessible. Read on to learn how custom engineering and deep financial services expertise intersect to create fintech infrastructure for the future.

To develop a SAAS peer to peer lending platform that allows lenders and borrowers to connect and undertaking lending. This system has extensive payment integrations, workflow and security hardening due to the nature of the project.

Key Functionality

Core Technologies


You Lend


P2P Lending


1600+ Hours