AdalFi empowers banks, fintechs, and other lenders to score and underwrite overlooked consumer and SME prospects using the most direct and reliable predictor of creditworthiness: their deposit account data.
Our AI-driven credit models and pre-built digital customer journeys enable instant loan disbursement to prequalified borrowers, expanding portfolios while actively reducing risk.
We continuously analyze transactional and financial data from deposit accounts and behavioral data from repayments to accurately assess overlooked consumers and SMEs, including thin-file and new-to-credit individuals.
Our shared revenue and shared risk business model ensures full alignment with our partners — when loans perform, we share the upside; when they don’t, we share the loss in direct proportion to our share of the gain.