How does Trazmo help us scale SME lending?

Trazmo enables banks and lenders to expand their SME lending portfolios by offering fast, automated, and data-driven financing. Our platform reduces underwriting time, improves risk assessment, and embeds financing directly where SMEs need it most.

What makes Trazmo different from traditional lending solutions?

Unlike traditional lending, which relies on manual applications and slow approvals, Trazmo automates credit decisioning with real-time data analysis, integrates financing into daily business transactions (e.g., POS, supplier payments), and reduces risk with AI-powered underwriting using transactional data.

How can Trazmo improve loan approvals for SMEs?

Trazmo helps expand access to credit by analyzing alternative data sources such as POS transactions, utility bill payments, and business cash flows. This allows banks to approve more SMEs that might not qualify under traditional credit scoring.

Are you a lender or a platform?

Neither. We're infrastructure software. Banks and NBFCs retain lending licenses and credit risk. Trazmo handles origination, servicing, and operations.

Can we use our own credit models?

Yes. Our risk engine integrates with your existing scoring models, bureau pulls, and policy rules. You control approval logic.

What if we have multiple lending partners?

Trazmo is built for multi-lender programs. Our lender console handles lender-specific workflows, limits, and reporting. Each lender sees only their portfolio.

How does Sharia compliance work?

We support Murabaha, Ijara, and other structures. Pricing is configured as markup instead of interest, documentation templates are compliant, and ledger entries follow Islamic finance principles.

Do we need to replace our core banking system?

No. Trazmo sits on top of core banking via APIs. Disbursements and repayments flow through your existing systems. We handle the program-level orchestration.

What happens if an AI agent makes a mistake?

Agents operate within defined rules and thresholds. High-stakes decisions require human approval. All actions are logged and reversible. Mistakes trigger exception workflows, not silent failures.

The Orchestration Engine

The Lending Engine for Fintechs and Banks

One engine for origination, risk, disbursement, servicing, and recovery. Multi-lender. Sharia-ready. API-first.

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Four Steps. Fully Automated.

Every loan follows the same lifecycle. Trazmo orchestrates each step, from first application to final recovery.

1 Onboard

KYC, documents, and verification. automated across WhatsApp, web, and partner channels. Borrowers uploads, validates, packages.

2 Decide

Policy engine runs bureau checks, scorecards, and exposure limits in seconds. Edge cases route to human approvers with full context.

3 Disburse

Loan booked on a double-entry ledger, funds released through your existing payment rails. Split disbursements and escrow holds supported.

4 Recover

Repayment schedules auto-generated, reconciliation runs daily, and collections escalate through configurable multi-stage workflows.

Three Layers. One Engine.

Each layer can run independently. Together, they share a common ledger and audit trail.

Onboarding & Origination

From first application to underwriting-ready package, across mobile, WhatsApp, web, and partner channels.

Borrower communication engine

Automated status updates, nudges for missing documents, and appointment scheduling via WhatsApp, SMS, and email.

KYC/AML orchestration

Chain together ID verification, bureau pulls, sanctions screening, and beneficial ownership checks. Configurable per jurisdiction.

Smart document collection

Auto-request the right documents per product type. OCR extraction, tamper detection, and classification, no manual sorting.

Multi-channel intake

Borrowers apply through mobile app, WhatsApp flows, partner apps, or your own front-end via SDK. One pipeline, regardless of entry point.

Risk & Decisioning

Score, decide, and approve, with full auditability. Rule-based and ML scoring with exposure management across lenders, products, and geographies.

Bureau integrations

Pre-built connectors to Tasdeeq, NADRA, eCIB, and 20+ bureaus. Pull reports, parse them into structured fields, and feed directly into decisioning.

Decision audit trail

Every scorecard version, every variable, every override logged. Exportable for regulators and Sharia boards on demand.

Human-in-the-loop workflows

Route edge cases to credit committees with full context. Approval hierarchies, delegation rules, and four-eye checks; all configurable.

A/B test in live environments

Run challenger scorecards alongside your champion model on live traffic. Compare approval rates, default rates, and portfolio yield before making the switch.

Scorecard builder

Create custom scorecards using bureau data, financial ratios, behavioral signals, or any variable in the application. No code required.

Servicing, Disbursement & Recovery

Loan booking with a double-entry ledger. Disbursement orchestration, auto-reconciliation, and multi-stage collections.

Automated disbursement

Trigger payouts through your existing payment rails once approvals clear. Split disbursements, escrow holds, and multi-tranche releases are supported.

Portfolio intelligence dashboard

Real-time views into PAR (portfolio at risk), aging buckets, vintage analysis, and roll rates. Drill down by lender, product, region, or cohort.

Repayment scheduling

EMI, bullet, balloon, Murabaha, and custom structures. Auto-generate schedules with grace periods, moratoriums, and early settlement calculations.

Regulatory reporting

Pre-built templates for central bank submissions. Portfolio classification (performing, watch, substandard, doubtful, loss) aligned to local prudential norms.

Predictive alerts

ML-driven early warning signals flag accounts likely to go delinquent 30–60 days before they do. Trigger proactive outreach or restructuring workflows automatically.

Multi-Lender by Design.

One platform. Multiple banks fund loans. Each has its own rules, limits, and isolated portfolios.

Separate Configurations

Each bank defines its own products, pricing, Sharia structures, approval hierarchies, and document requirements.

Isolated Portfolios

Dedicated dashboards per lender, limit utilization, risk metrics, disbursement tracking, and collection rates.

Zero Data Leakage

Strict data partitioning. Bank A never sees Bank B's borrowers, portfolios, or performance data.

Dedicated Consoles for Every Stakeholder

Platform Partners

Platform Console

✓ SME application pipeline

✓ Aggregate portfolio performance across all lenders

✓ Borrower engagement metrics and conversions

✓ Revenue and commission tracking

Banks & NBFCs

Lender Console

✓ Portfolio view

✓ Limit utilization and remaining headroom

✓ Collection performance and recovery rates

✓ Regulatory reports and audit log exports

Plugs Into Your Stack

API-first. Pre-built connectors for the systems banks and platforms already use.

Core Banking

REST APIs — account creation, disbursement triggers, repayment posting

Payment Rails

Settlement & payout through your existing gateways

WhatsApp & SMS

WhatsApp Business API, Twilio, SendGrid

Credit Bureaus

SIMAH, Tasdeeq, CRIB, ECIB, and more.

KYC / AML

Shufti, Sumsub, local regulators — configurable chain

Accounting

Double-entry ledger with GL journal export

Powered by Three AI Agents

Onyx handles onboarding. Maven prepares underwriting. Echo runs collections. Not chatbots, operational workers embedded in every step.

Meet the AI Agents

See How It Works

Tell us about your lending program. We'll show you exactly what it looks like on Trazmo.

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Built for Regulated Environments

Immutable Audit Trail

Every action logged. Exportable for regulators & Sharia boards.

Regulatory Aligned

SBP, CBB, SECP, RBI, CBUAE. SOC 2 Type II in progress.

Data Residency

Encryption at rest & in transit. GCC & South Asia compliance.