Instant Salary Advances. Auto-Recovered on Payday.
AI scoring qualifies salaried customers in real time. Configurable limits and fees, instant disbursement, and payday recovery via e-mandate: 100% digital from qualification to collection.
Salary Advances
in Seconds, Not Weeks
- Real-time salary-flow analysis (amount, regularity, variance) flags eligible customers in seconds
- AI+Policy decisioning with affordability caps and explainable reason codes
- Event-triggered offers (pre-payday, income shock, cash-flow gaps) across SMS/email/push/in-app
- Personalized advance limits and risk-based fees aligned to policy
- Campaign outcomes feed back to lift conversion and protect unit economics
- Secure link or in-app flow
- Realtime bureau fetch and eKYC to complete qualification
- Prefill from deposit-account data; end-to-end in under a minute for prequalified customers
- Disburse directly to the borrower’s primary account via core banking integration
- E-mandate setup for automatic payday recovery with smart retries
- Clear schedule and fee transparency in journey to reduce servicing friction
- Live monitoring of salary continuity, amount changes, and repayment signals for early warnings
- Right-size limits, enforce cooling-off/frequency caps
- Optimize loop feeds outcomes back to refine scoring, limits, and pricing over time
Loved by Borrowers. Trusted by Lenders.
Seamless Advances,
Recovered Automatically.
Borrower onboarding & instant approval
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Advance disbursement confirmation
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Payday recovery process (automated)
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Real-time monitoring & risk dashboard
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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.”
“Our collaboration has produced the desired result which is to use data, for machine-learning based modeling for credit decisioning and it’s really paying off”
“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”
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