Smarter Credit
Decisions. Instant Lending Rails.
AdalFi empowers banks, fintechs and other lenders to score and underwrite overlooked consumer and SME prospects using the most direct and reliable predictor of creditworthiness: their deposit account data.
Our AI-driven credit models and pre-built digital customer journeys enable you to disburse loans instantly to prequalified borrowers – expanding your portfolio and actively reducing risk.
Lend Smarter
AdalFi continuously analyzes transactional and financial data from deposit accounts and behavioral data from repayments to accurately assess overlooked consumers and SMEs, including thin-file and new-to-credit.
This enables our lender partners to expand their prospect base with 90DPD default rates around 0.2%.
Lend Faster
AdalFi powers fully digital lending journeys with instant approval and disbursement. Deep core banking and digital platform integrations enable one-minute mobile lending flows for pre-qualified prospects and eliminate paperwork and branch
processing. The result: boosted conversions and the speed and convenience mobile-first customers demand today.
What traditional
platforms see
What Adalfi can
discover
What Traditional Platforms See
What AdalFi Uncovers
Most lenders rely on surface-level indicators, an outside-in macro view based on loan repayment behavior.
AdalFi looks deeper. We also take an inside-out view: the micro picture built from two years of day-to-day evolving financial reality for each prospect—the result: a more accurate and nuanced understanding of creditworthiness, qualifying more borrowers at lower risk.
What traditional
platforms see
What Adalfi can
discover
What traditional
platforms see
What AdalFi can discover
Most lenders rely on surface-level indicators, an outside-in macro view based on loan repayment behavior.
AdalFi looks deeper. We also take an inside-out view: the micro picture built from two years of day-to-day evolving financial reality for each prospect—the result: a more accurate and nuanced understanding of creditworthiness, qualifying more borrowers at lower risk.
What Adalfi can
discover
What AdalFi can discover
What AdalFi can discover
AdalFi looks deeper. We look at the macro and also the micro picture.
More borrowers qualified with less risk.
Shared Revenue
Shared Risk
When your loans perform, we share the upside. If they don’t, we share the loss in direct proportion to our share of the gain. Our incentives are fully aligned with yours.
With AdalFi, smarter scoring is backed by true partnership, where the growth upside and the risk downside are both shared. Your portfolio’s success is our success.
Trusted by lenders
who move fast
“Our numbers are now well in the Billions, and have hit double digits which is great progress.”
“Now the dream of someone sitting on a sofa dreaming about a household appliance or a vacation can actually happen while they’re sitting in their bedroom because all they have to do is apply, AdalFi takes care of all the magic on the backend and the customer gets money in their account”
