Assess, Activate, and Disburse Personal Loans. Instantly.
Our AI models read deposit-account data to find creditworthy borrowers that traditional scoring misses. Activate prequalified prospects, offer personalized limits & pricing, disburse instantly with 100% digital journeys, and transform your personal-loan program.
Fair, fast, and governed
by design
- Real-time transaction data analysis to find overlooked creditworthy borrowers
- AI+Policy decisioning with affordability caps and explainable reason codes
- Instant pre-qualification for existing customers; Open Banking scoring for new-to-bank
- Event-triggered, omnichannel offers based on propensity-to-borrow
- Personalized limits and risk-based pricing aligned to policy
- Campaign results feed back to lift conversion and portfolio quality
- Secure, personalized link or in-app flow
- Real-time bureau fetch and eKYC to complete qualification
- Disburse directly to the borrower’s primary account via core banking integration
- E-mandate setup for collection
- EMIs auto-debited with smart retries and reminders
- Live monitoring of deposit account activity and repayments for early warnings
- Optimize loop feeds outcomes back to refine scores, limits, and pricing
Loved by Borrowers. Trusted by Lenders.
non-salaried borrowers who thought they’d never qualify
weeks
refine models over time; aligned incentives drive the improvements
Uncover more creditworthy borrowers, approve and fund them in under a minute, and reduce risk with the continuously learning AdalFi Lending Loop.
AI That Sees Risk Before
It Happens
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.
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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