Powering the Next Generation of SME Financing
Credit-as-a-Service for digital platforms and financial institutions to offer embedded, Sharia-compliant credit to SMEs — on-demand, automated, and scalable.
What You See Is Just the Tip
Lending to SMEs may appear simple on the surface, collect an application, review, approve, disburse. But that’s just the tip of the iceberg.
Beneath every loan lies a web of complexity most platforms aren’t built to handle. That’s where Trazmo steps in.
What We Offer
Financing infrastructure for lenders and banks
Embedded Credit with Multiple Lending Partners
Offer credit seamlessly inside the ecosystems where SMEs operate
Scalable Lending Infrastructure
One platform to configure, launch, and scale SME credit products
Real-Time, AI-Powered Underwriting
Go beyond scores. Use behavior signals, and analytics for real time risk assessment
Who we serve?
Powering Finance for Institutions That Move Markets
Whether you’re a lender seeking smarter risk assessment, a digital platform wanting to embed financial services into your platform, Trazmo streamlines the entire process—fast, secure, and scalable.
Digital Platforms
E-commerce platforms, fintech apps, and marketplaces can integrate Trazmo’s embedded lending solutions to offer financing at key transaction points.
- Generate new revenue through commissions on each financing transaction
- Increase customer retention by offering financing when it’s needed most
- Zero operational burden, we manage the entire credit lifecycle
Lenders & Banks
Trazmo helps banks and financial institutions scale their SME loan portfolios with AI-driven underwriting.
- Instantly access thousands of pre-vetted SMEs through our platform network
- Deploy capital with confidence using our AI-based credit scoring engine
- Reduce CAC and improve portfolio performance with data-rich onboarding
Tailored Solutions for Your Lending Needs
Our platform automates credit decisioning, allowing financial institutions to expand SME financing with reduced risk, while enabling credit access at key transaction points.
Plug & Play Lending API
Reduce Loan Processing Time by 89% with AI-Driven Underwriting
Accurate
Smart Risk Profiling for Faster, More Accurate Lending Decisions
Automated
Approve Loans in Minutes with Automated Credit Decisioning
Flexible
Customize Loan Terms to Match Borrower Needs & Risk Levels
Configurable Risk Rules
Customize Risk Triggers, Eligibility & Limits
Risk Flex
Automatically adjust risk based on market trends & borrower behavior
Adaptive
Set lending limits that adapt to borrow performance & repayment patterns
Credit Tailored
Customize Credit Eligibility & Approval Rules to match your risk strategy
Embedded Lending
Power working capital or BNPL in Your App, Checkout & POS
Instant
Enable BNPL & Working Capital Loans Instantly at Checkout
Seamless
Seamless API Integration with Your POS or Platform
Risk-Free
Risk-Free Lending Partnerships with Full Compliance
Features
Why lenders are choosing Trazmo?
We empowers lenders with intelligent, and customizable financing solutions—designed to accelerate approvals, minimize risk, and expand access to SME funding.
Sharia Compliant Lending
Tap into a fast-growing segment by offering interest-free, faith-aligned financing.
Credit Rules Settings
Set your own credit rules and thresholds — ensuring alignment with internal policies and market strategy.
Customizable Parameters
Adapt risk exposure dynamically to meet portfolio goals and changing market conditions.
Transparent Decisions
Get clear, auditable insights at every step — no black-box lending decisions.
Our Impact
How we help our clients?
Trazmo is revolutionizing SME financing with streamlined, cost-effective lending solutions—empowering lenders and platforms to approve loans faster and expand financial access.
Trazmo’s lending platform automates credit assessments, accelerates approvals, and ensures seamless access to Shariah-compliant financing—helping lenders scale efficiently.
With Trazmo, lenders approve loans 5x faster while cutting costs by 10x—boosting efficiency, increasing loan volumes, and driving SME growth.
SMEs struggle with slow, manual loan approvals—leading to missed opportunities, cash flow constraints, and stalled business growth.
Repayment Rate
+50%Cost Reduced
10xReduced processing time
5x"They understand the real pain points of SMEs and have built an infrastructure that’s not only innovative but also deeply aligned with what banks need"
Kashif Alam, Head of Products, DIB
Frequently asked questions
Here are some common questions about our company.
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.
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)
- Reduces risk with AI-powered underwriting using transactional data
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.