Always-On Working Capital
Assess from real-time cash flows, set dynamic credit lines, and enable instant drawdowns. All seamlessly integrated with your core and digital stack.
- Instant AI Scoring
- Dynamic, auto-replenishing limits
- Real-time risk monitoring
- Live in ~12 weeks
Moves Fast. Without
Losing Control.
AI-Powered Scoring
Our SME model evaluates risk in real time and adjusts limits dynamically.
No-Code Launch
Start with prebuilt journeys for onboarding, approvals, drawdowns, and renewals.
Operational Flexibility
Use our default flows or add steps like KYC, document upload, or manual reviews.
End-to-End Control
Define eligibility, limits, repayment logic, and usage caps - all integrated into your core systems.
Secure, Compliant, Integrated
Built to fit core banking and loan management systems.
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 On-demand
Credit Lines
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”
