Sharia Compliant Lending Infrastructure
Launch SME Lending Programs in Weeks, Not Months
One platform for origination, risk, disbursement, and recovery. Multi-lender. Sharia-ready. API-first. Go live in 8 weeks, whether you're scaling an SME portfolio or embedding credit into your platform.
✽ The Problem
The market moved.
The infrastructure didn’t.
Legacy Systems Weren't Built for Small Tickets
Core banking handles few large corporate loans, not 50,000 micro-invoices a month. The cost per loan makes SME programs unviable.
Manual Ops Kill Unit Economics
Underwriting queues, manual reconciliation, and paper-based collections eat the margin on every small loan
Speed and Discipline Shouldn't Be a Trade-off
MEs expect instant approvals. Banks and platforms both need audit trails and risk controls. Current infrastructure forces you to pick one.
Go live in 8 weeks.
Pre-built modules for origination, underwriting, servicing, and recovery. Three AI agents handle the ops. You focus on the lending program.
✽ How it Works
One Engine. Three Layers. Full Lifecycle.
Origination, risk, and servicing, orchestrated on a single platform with AI agents embedded at every step
Applications come in → Onboarding runs itself
Borrowers apply through WhatsApp, web, or your own app via API. The AI onboarding agent collects documents, runs KYC/AML checks, and chases missing items. No manual follow-up needed.
Decisions happen in seconds → Not days
The policy engine pulls bureau data, runs your scorecards, and checks exposure limits automatically. The underwriting copilot packages edge cases for credit committees with full context. Every decision is logged and auditable.
Money moves → Collections run on autopilot
Loans are booked to a double-entry ledger, and funds are disbursed through your payment rails. The collections agent sends repayment reminders via WhatsApp, matches incoming payments, and escalates delinquencies through configurable workflows.
What You Can Launch
Four Financing Programs. One Platform
Merchant Cash Advance
Daily settlement-based advances for retail and service businesses. POS integration, automatic deductions, real-time balance tracking.
Supply Chain Finance
Working capital against receivables for SMEs. Invoice verification, debtor consent workflows, and partial recourse options.
Invoice Financing
Working capital against receivables for SMEs. Invoice verification, debtor consent workflows, and partial recourse options.
Embedded Lending
"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, Dubai Islamic Bank
Security & Compliance
Built for regulated environments
Immutable logs for every transaction, approval, configuration change, and AI agent action. Exportable for regulator reviews and internal audits.
SOC 2 Type II in progress. ISO 27001 readiness. Built to support SBP, CBB, and SECP guidelines on digital lending, outsourcing, and data localization.
Encryption at rest and in transit. PII access controls, role-based permissions, data residency compliance. No data used for training AI models without explicit consent.
Lower cost per loan vs. manual operations
10x
Faster application-to-disbursement cycle
5x
Improvement in on-time repayment rates
+50%
Ready to launch your lending program?
Whether you're a bank scaling SME lending or a platform adding credit to your product, tell us your use case. We'll show you exactly what it looks like on Trazmo.
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.
Neither. We’re infrastructure software. Banks and NBFCs retain lending licenses and credit risk. Trazmo handles origination, servicing, and operations.
Yes. Our risk engine integrates with your existing scoring models, bureau pulls, and policy rules. You control approval logic.
Trazmo is built for multi-lender programs. Our lender console handles lender-specific workflows, limits, and reporting. Each lender sees only their portfolio.
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.
No. Trazmo sits on top of core banking via APIs. Disbursements and repayments flow through your existing systems. We handle the program-level orchestration.
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.