Approve in Minutes.
Control in Real Time.
Underwrite from real-time cash flows, set risk-based amounts, tenors, and pricing with AI + Policy, and disburse via 100% digital or hybrid journeys.
Structured Lending, Seamlessly Delivered
AI Scoring & Explainability
Real-time underwriting from deposit transactions with explainable decisions and right-sized amounts/tenors with affordability caps. Use Open Banking to qualify new-to-bank.
Configurable Structuring & Pricing
Set tenor, grace, frequency, amortization, and collateral/covenants as needed. Apply risk-based pricing and pre-disbursement checks.
No-Code Launch
Prebuilt, pre-integrated brandable journeys for onboarding, approval, and disbursement—go live in weeks.
Operational Flexibility
Run default flows or insert steps like eKYC, document upload, or manual review. Support fully digital and hybrid.
Continuous Monitoring & Early Warnings (Optimize)
Live tracking of repayments and cash-flow health triggers early-warning actions (reminders, right-sizing, restructuring offers).
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.
Empower SMEs with the
Financing They Need
Borrower application flow
SME scoring screen with suggested loan terms
Institution-side approval dashboard
Disbursement & repayment tracking view
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”
