Sharia Compliant Lending Infrastructure
Launch an SME Lending Program in 8 Weeks
Origination, underwriting, disbursement, and collections on a single platform. We handle the lending ops so you can focus on the lending program. Built for banks and platforms running multi-lender, Sharia-compliant portfolios.
Banks weren’t built for small-ticket lending
Core banking works fine for a hundred corporate loans. It breaks when you try to run 50,000 micro-invoices through it.
Underwriting queues pile up. Reconciliation is manual. Collections are paper-based. The cost per loan eats whatever margin was there.
Meanwhile, SMEs want same-day approvals and your risk team still needs full audit trails. You shouldn’t have to choose between speed and compliance, but most systems force exactly that trade-off.
Go live in 8 weeks.
The platform comes with pre-built modules for onboarding, underwriting, disbursement, and collections.
Three AI agents handle the repetitive ops work: document chasing, payment matching, and delinquency follow-ups.
Your team focuses on the lending program, not the plumbing.
✽ How it Works
One Engine. Three Layers. Full Lifecycle.
Origination, decisioning, and servicing run on a single platform. Here’s what happens at each stage.
Onboarding
Borrowers apply through WhatsApp, a web form, or your app via API. The system collects documents, runs KYC and AML checks, and follows up on missing items. Your team doesn’t touch it until the application is complete and packaged for underwriting.
Decisioning
The policy engine pulls bureau data, runs your scorecards, and checks exposure limits. Most applications are scored in seconds. Edge cases get packaged with full context and routed to your credit committee. Every decision is logged.
Disbursement & Collections
Approved loans are booked to a double-entry ledger. Funds move through your existing payment rails. Repayment reminders go out via WhatsApp. Incoming payments are matched automatically. Delinquencies escalate through configurable, multi-stage workflows.
What You Can Launch
Four Financing Programs. One Platform
Merchant Cash Advance
Settlement-based advances for retail and service businesses. Connects to your POS, deducts repayments from daily sales, and gives borrowers a real-time view of their balance.
Supply Chain Finance
Working capital against receivables for SMEs. Invoice verification, debtor consent workflows, and partial recourse options.
Invoice Financing
Working capital against receivables. The platform verifies invoices, manages debtor consent, and supports partial recourse structures.
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
Every transaction, approval, configuration change, and agent action is logged immutably. Logs are exportable for regulator reviews and internal audits.
SOC 2 Type II certification is in progress. ISO 27001 readiness assessment complete. The platform is built to support SBP, CBB, and SECP guidelines on digital lending, outsourcing, and data localization.
All data is encrypted at rest and in transit. PII access is controlled through role-based permissions. Data residency is configurable per deployment. No customer data is used to train AI models without explicit written consent.
Lower cost per loan vs. manual operations
10x
Faster application-to-disbursement cycle
5x
Improvement in on-time repayment rates
+50%
See it with your lending program
Walk us through your use case, and we’ll show you a working demo with your products, your rules, and your workflows.
Frequently asked questions
Here are some common questions about our company.
We handle the operational infrastructure that makes high-volume SME lending viable: automated onboarding, credit scoring, disbursement, and collections. You define the credit policy and choose lending partners. We make sure the system can process thousands of applications without your ops team becoming the bottleneck.
Most lending infrastructure was designed for corporate loans: small volumes, big tickets, slow decisions. Trazmo was built from scratch for high-volume SME programs. The difference shows up in three places: underwriting runs in seconds instead of days, collections run themselves, and the ledger handles Sharia-compliant structures natively without workarounds.
Traditional scoring misses a lot of good borrowers. Trazmo lets you factor in POS transaction history, supplier payment patterns, and business cash flows alongside bureau data. Banks using this approach approve more SMEs because they’re making decisions on richer data, not relaxing their risk standards.
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.