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Manage multiple asset classes in a single dashboard.

If you don’t find one, build one!

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The possibilities are infinite with Refo

Refo is your partner to automate processes across your lending lifecycle.

Automate Onboarding

Acquire, convert, scale: Omnichannel API-led acquisition

Faster onboarding with pre-built recipes
100% automated or assisted flows
Whitelabel with your branding
Learn more

Automate Decisions

Adapt & scale : Confidently control lending with real-time and agile decisioning engine

Adjust policies without IT intervention
Create custom, compliant scorecards
Audit & trace every change
Learn more

Automate Process Flows

Automate, streamline: Code-free lending micro workflows.

Automate processes with ready integrations
Mitigate risks with exception management
Reduce process TAT with active tracking
Learn more

Simplify Analytics

Data-driven lending: Get powerful insights for growth and optimization.

Get 360° view of your lending portfolio
Track loan performance, monitor funnels
Design custom reports, identify bottlenecks

Hear what our customers say.

Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance
Refo reduces time to market

We love working with Refo. Refo’s platform significantly reduces the time to market for launching new onboarding channels and lending products. The product offers best-in-class API performance, enabling seamless embedded banking operations. Refo has been instrumental in our journey to build India’s largest open finance network on ONDC

Saurabh Nigam
Saurabh Nigam
Group CTO, DMI Finance
Refo has impressed us with their support

Refo has impressed us with the quality of their product, as well as their developer and customer support. Their platform integrates onboarding, decisioning, and customer analytics seamlessly, providing an excellent experience for customers, internal teams, and partners.

Ruchi Sehgal
Ruchi Sehgal
SVP Lending & BaaS, HDFC Bank
Refo lets you design custom flows

In partnerships, you need a composable experience for each partner due to heterogeneous systems in the industry. Refo lets you design custom flows for each partner using the flow builder in their product.

Sanmesh Kalyanpur
Sanmesh Kalyanpur
Head of Partnerships, Tata Capital
Refo cuts down policy change TAT by at least 70%

Refo has an advanced decisioning platform that gives control directly to the risk teams, cutting down on policy change TAT by at least 70%. It is one of the most nimble decisioning engines with built in workflow available in the industry today.

Himanshu Jaggi
Himanshu Jaggi
Head of Product, Truebalance

You delight your customers, while we delight you.

Refo’s lending automation platform
simplifies lending across teams.

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Business
Accelerate revenue generation
Launch custom lending products rapidly.
Credit Risk
Credit Risk
Mitigate credit and operational risk
Optimize risk analysts’ time with faster risk analysis.
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Integrations
Engineering
Save development cost
Accelerate development with quick integrations to data providers & essential lending workflows.
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Marketing
Get better visibility & control on channel attribution
Nurture customer loyalty.

Seamlessly integrate with your CRM, Data Providers and loan booking software

Efficient underwriting

Access a wealth of consumer & business data providers to mitigate risks and enrich underwriting.

Integrate with existing tech stack

Leverage your existing tech stack and continue to work with your preferred loan booking software by integrating with Refo in just a few steps.

Unlock a new world of potentials by leveraging Gen AI capabilities.

Revolutionize lending with AI: intelligent OCR, instant reports, smarter credit decisions.

OCR

With Refo, leading Financial Institutions have experienced...

3x
Faster
Customer onboarding speed
30%
Increase
In customer conversions
60%
Reduction
In tech costs
50%
Reduction
In backend process TAT