Softwr

No-Code · head to head

Noloco vs Toqio

Noloco logo

Noloco

No-Code

Client portals and internal tools built over data you already have

From
On request
Rated
-
Full reviewWebsite
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Noloco pricing follows user counts, and a client portal is by definition many low-activity users, so an agency with a few hundred client logins climbs the bands quickly for people who sign in twice a month.; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: Noloco covers Row-level permissions, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Noloco and Toqio actually diverge.

Attributes where Noloco and Toqio differ
AttributeNolocoToqio
PlatformsWebWeb, iOS, Android, API
CategoryNo-CodeAPIs

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Noloco

  • Row-level permissions
  • Multiple data sources
  • Client portals
  • Workflows
  • Forms and record detail pages
  • White labelling

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

The jobs each tool is most often brought in to do.

Noloco

  • Giving clients a branded portal onto their own records in an Airtable basenot Toqio
  • Replacing shared spreadsheets with a permissioned internal tool for an operations teamnot Toqio
  • A lightweight CRM over a PostgreSQL database that already existsnot Toqio
  • Partner or contractor dashboards where each party must see only its own jobs and documentsnot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot Noloco
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Noloco
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot Noloco
  • A group launching the same embedded finance product across several markets with different local providersnot Noloco

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Noloco

  • Pricing follows user counts, and a client portal is by definition many low-activity users, so an agency with a few hundred client logins climbs the bands quickly for people who sign in twice a month.
  • Limits are inherited from the data source. Airtable record ceilings, API rate limits and slow queries appear in the portal your customers use, and no setting inside Noloco can fix them.
  • Design control is deliberately narrow. You get a consistent application shell rather than a bespoke interface, which is fine for operations and a problem for anything marketing-led.
  • It is a small vendor competing directly with Airtable Interfaces and Softr, both far larger, so roadmap pace and long-term viability are legitimate procurement questions.
  • Output is responsive web only, with no native mobile application and no offline mode, so field staff on poor connections are not served by it.

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

Noloco

On request
  • Noloco$undefined/year
    • Tiered plans differentiated by user counts, data sources and white labelling
    • Trial period rather than a permanent free plan
    • Higher tiers add custom domains, advanced permissions and priority support

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose Noloco if

  • You need row-level permissions.
  • You also want multiple data sources.
Noloco review

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.
Toqio review

Questions people ask

Is Noloco or Toqio better?
Neither clearly leads. Noloco starts at On request and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Noloco or Toqio?
Noloco starts at On request and Toqio at On request.
Does Noloco or Toqio run on more platforms?
Noloco runs on Web. Toqio runs on Web, iOS, Android, API.
What is Noloco best used for?
Noloco is most often used for giving clients a branded portal onto their own records in an airtable base, replacing shared spreadsheets with a permissioned internal tool for an operations team, a lightweight crm over a postgresql database that already exists, partner or contractor dashboards where each party must see only its own jobs and documents. Of those, giving clients a branded portal onto their own records in an airtable base and replacing shared spreadsheets with a permissioned internal tool for an operations team are not what Toqio is typically brought in for.
What can Noloco do that Toqio cannot?
Noloco covers Row-level permissions, Multiple data sources, Client portals, Workflows. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Noloco: Do I need Airtable to use it?

No. Airtable is the most common source but PostgreSQL, MySQL, Google Sheets, HubSpot and built-in Noloco tables all work.

Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

Noloco: Can external clients log in without paying for seats?

Client and internal users are counted differently, but they are still counted, so a portal with many client logins moves you up the plan bands. Check the current band definitions before committing to a per-client model.

Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

Noloco: How is this different from Softr?

Both build portals over existing data. Noloco leans harder on permissions and multiple database sources; Softr leans on templates, speed to a first version and a bigger ecosystem.

Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

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