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.