Grow SME Lending.
and lower your Risk.
Assess SMEs using real-time cash flows. Activate prequalified prospects and Disburse via fully digital journeys integrated with your core and digital channels, so approvals and disbursements happen in minutes.
SME Scoring, Solved.
In most markets, SME credit relies on site visits, paperwork, and gut feel. AdalFi replaces that with real-time, automated cash-flow underwriting from bank transactions: a digital end-to-end solution.
post-disbursement visibility
inflows/outflows, seasonality, and obligations, accurately covering thin/no-file and new-to-bank SMEs.
hybrid with agent/branch when needed.
Cash-flow scoring finds more good SME borrowers, digital journeys fund them in minutes, and continuous monitoring keeps risk contained so you grow safely.
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.
Expand Access to Credit. Reduce Risk.
Real-Time, AI-Driven Approvals
Pre-qualify using deposit-account cash flows to assess resilience from deposits, inflows/outflows, seasonality, and obligations, accurately covering difficult to assess SMEs in seconds. Use Open Banking to score new-to-bank prospects instantly.
Configurable Products & Policies
Set terms, limits, affordability caps, and underwriting rules to match your credit policy with full audit trails.
Under-a-Minute Digital Disbursement
Prebuilt, 100% digital journeys (Qualify → Offer → e-mandate → Disburse) embed in your mobile, web, and branch channels.
Seamless Core & Channel Integration
Pre-integrated with Temenos, Oracle FLEXCUBE, and Symbols; SDKs/APIs and drop-in journeys plug into your digital banking stack so you can go live in weeks.
SMARTER LENDING. One Platform
All Your SME Lending Products
AI That Understands SMEs
Why Deposit Account Data Predicts Better
Cash-flow features (income stability, spend velocity, end-of-month balances, headroom) reflect the customer’s current capacity, not just historical repayments. That’s how AdalFi accurately identifies prospects.
Control the Risk, Not Just the Process
Pre-approval affordability caps, segment-specific limits, blacklists/whitelists, and geo/product guardrails. Post-disbursement early-warning triggers (balance shocks, income drops, missed attempts) in the Optimize module drive retention/collections actions and feed back to improve scoring models.
Federated Learning by Default. Privacy by Design.
AdalFi models benefit from patterns observed in 50,000+ repayment events every month across all our lending partners. Data stays in your environment; only anonymized model updates are aggregated. No raw transactions or PII ever leave your systems.
Prove it with Numbers
We baseline and track: approval-rate uplift, booked-loan TAT (application→funding), CAC per booked loan, 90+ DPD/NPL, roll-rates, and lifetime value. Value delivered and made visible.
Lend Smarter,
Not Riskier.
Real-time credit scoring, loan disbursement, and borrower monitoring all fully digital, white-labeled, and engineered to work with any core system.
Early Warning Risk Detection
Dynamic Credit Adjustments
Automated Alerts & Intervention Tools
<0.2% Default Rate Across Portfolio
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.
How AdalFi is Transforming SME Lending
“The Banking Industry acknowledges BOP’s work in the SME & Agricultural space in particular and our partnership in both of these segments has been phenomenal.”
“AdalFi pointed the SME Depositor and the transactional data that they had..which coupled with your credit assessment system which translates transactional data into creditworthiness made it a successful partnership”
