For banks & NBFCs
SME applications arrive complete, your team just decides
If your SME team spends more time chasing missing documents than underwriting, the queue is the problem, not the analysts. Trazmo clears identity, documents, cashflow and your own policy before a file reaches them.
Trazmo holds no credit risk and is not a lender. The decision, the pricing and the book stay with you.
Karachi Textiles (Pvt) Ltd
Manufacturing · textiles · 11 years trading
78
Score
Awaiting your decision
Facility requested: PKR 4,500,000 · Murabaha
Recognise your situation
Three things credit teams tell us, and what changes in each case.
01 · The queue
Two hundred applications a month, and most should never have reached your analysts
Trazmo chases the missing documents and applies your rules first. Your team opens the files that are actually decidable.
Your analysts open 67 files
Not 214
02 · Capacity
Capacity is minutes per file, not headcount
A file costs your analyst six hours today. On the rail it costs one hour twelve. Five steps move to software; the two that stay are the ones worth an analyst's time.
- Chase the missing documentsLift750
- Read and spread the statementsDocuMind1500
- Re-key the memo, build the cashflowDocuMind600
- Bureau, registry, identityLift300
- Check against your credit boxSentinel150
- Review the spread, drivers, exceptionsYour analyst042
- Form the credit viewYour analyst3030
27 → 133 files per analyst, per month
Same 160 hours. Two hundred applications needs 1.5 analysts on review, not 7.5
Six hours is a planning midpoint; use your own number. One hour twelve assumes the file arrives complete. This is the labour line only: approval-rate lift, fraud losses avoided and faster capital turns are excluded on purpose.
03 · Your credit box
Deal flow that already fits, Sharia structures included
You publish sectors, ticket sizes, exposure caps and structures. Files that miss any of them never arrive, and the partner is told which rule fired.
Your rules
What pre-qualified means here
Four gates, then a file you can decide on
Every application runs the same four checks before it reaches you. Watch three real files go through.
Karachi Textiles (Pvt) Ltd
Manufacturing · textiles · PKR 4,500,000 · Murabaha
Outcome
Packaged for your decision
The file lands in your queue with score drivers, the spread statements and the policy trail attached. Your officer decides, nothing else.
Gates run in order: Lift collects and verifies, DocuMind spreads the statements, Sentinel scores against your policy-driven scorecard. Declines carry the rule that fired, so a partner can fix a file or stop sending that profile.
How it works
Define your credit box
Sectors, ticket sizes, exposure caps, tenor, structure. Conventional, Murabaha or Ijara.
Receive complete files
Verified identity, spread statements, scored cashflow, policy result. In your queue or over API.
Decide on your terms
Approve, decline or ask for one more document. Pricing and the credit decision never leave you.
Service through the platform
Disbursement, the double-entry ledger, monitoring and collections run on the same rail.
Customer story · Wasl Financial Services
A twenty-day origination pipeline now runs in under a day
Wasl was losing three weeks to paper and re-keying before a credit officer saw a file. Partners now submit in a structured format, DocuMind spreads the statements, and the credit team spends its time on decisions instead of chasing documents.
Read the Wasl story →Time to a credit-ready file
100%
of partner files arrive structured
Zero
re-keying between intake and review
You stay in control
Your rules, not a marketplace's
You set the credit box and you change it whenever you want. Trazmo never prices, never decides, and never holds risk on your book.
Isolated by architecture
Single-tenant environments, in-country or in-region residency, and no visibility of your pipeline or pricing to any other lender on the network.
Audit-ready by default
Every decision keeps its inputs, the rules that fired, the score version and the operator. Built for examination, not for a demo.
Tell us what you would fund
Give us your sectors, ticket sizes and exclusions. We will show you the deal flow that already fits, and what a complete file looks like before it reaches your committee.