Smarter Lending.
Fairer Outcomes.
A Unique Business
Model

Adal means justice;
Fi stands for finance.

We founded AdalFi on a simple belief: when lending is both smarter and fairer, it unlocks opportunity at scale for both borrowers and banks.

So we built the credit models and the platform. Then we put skin in the game. Share in the revenue, share in the losses. This alignment is what sets us apart.

Credit intelligence from bank accounts, not just credit history

Instant digital approvals and disbursements

Continuously learning models within and across banks

“Five years ago I had a vision: make access to credit fairer and reinvent how we work with banks. AdalFi is the vision realized—smarter scoring, instant digital lending, and true business alignment.”

Salman Akhtar

CEO & Co-Founder AdalFi

OUR PARTNERS

Our MISSION

Deliver smarter, fairer, faster lending at scale unlocking
opportunity for borrowers, strengthening portfolios for
lenders and setting a new global standard for credit.

WHY WE EXIST

Inclusion with Intention

Our scoring models open credit to thin/no-file, non-salaried and SME customers without loosening risk standards and continuous monitoring to keep defaults low.

Aligned by Design

We share revenue and risk. When loans perform, we share the upside; when they don’t, we share losses in direct proportion to our share of the gain.

Relentless on Precision

The AdalFi Lending Loop delivers fast, explainable decisions, sub-minute disbursement, and proven performance (~0.2% 90+ DPD).

Two Loops. One Smarter Model.

Our models learn daily from live cash flows and repayments within your bank; a federated outer loop updates from anonymized, aggregated partner data.

Built for Lenders. Live in 12 Weeks

Pre-integrated and prebuilt to plug into your core and digital stack — SDKs/APIs and drop-in journeys included. From kickoff to production in ~12 weeks.