Small business loans. Small business lending, powerfully simplified.
Refo enables financial institutions to provide a diverse range of financing to small businesses tailored to their specific business needs.
Deliver unparalleled business lending experience.
The lending solution designed for diverse borrower needs.
Improve customer conversions, onboard faster
Delight borrowers with a sleek, white-labeled application journey designed for frustration-free engagement and conversions.
Empower your team and channel partners to guide borrowers through complex processes, seamlessly.
Build trust with borrowers through real-time status updates and personalized communication with full transparency.
Make smarter, data-driven decisions.
360° borrower view with seamless credit bureau, account aggregator, government registries and tax returns/bank statement data.
Tailor your credit scoring model to your unique risk appetite and lending policies.
Multi-layered protection against fraudulent applications with identity, address, and watchlist screening.
Reduce manual effort.
Let our AI engine manage fraud in real time and cut down on manual review.
Define, automate, and ensure compliance for unique borrower scenarios with ease
Automate compliance reminders so you can focus on what you do best – growing your business.
With Refo, leading Financial Institutions have experienced...
Faster
Increase
Reduction
Reduction
Hear what our customers say.
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
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.
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.
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
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.
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.
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
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.
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.
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
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.
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.
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
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.
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.
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.
Frequently asked questions.
Absolutely! Refo's platform is designed to cater to a wide range of loan sizes, from microloans to substantial commercial financing. Our flexible and scalable architecture ensures that your lending operations can handle diverse loan amounts efficiently.
Yes. Refo streamlines the KYC process for SME lending through direct connectivity with government KYC registries, ensuring seamless validation. Additionally, our platform enables borrowers to securely upload both entity and promoter KYC documents through our user-friendly interface, simplifying onboarding and reducing manual effort for everyone involved.
Definitely! Refo's platform enables you to define a custom document master, tailoring the required documents to your specific SME lending criteria and regulatory requirements. This ensures a seamless and compliant onboarding process for your borrowers.
Yes, you can! Our platform offers robust backend capabilities for your operations team to intervene and assist borrowers who encounter difficulties during the loan application process. This ensures a smooth and efficient customer experience, even in complex scenarios.
Absolutely! We leverage direct integrations with GST Suvidha Providers (GSPs) to seamlessly fetch GST reports in machine-readable formats. This integration enriches your credit assessment process with valuable insights from borrowers' GST data, empowering you to make even more informed and accurate lending decisions.
Yes! Refo's platform seamlessly integrates with account aggregator networks, allowing you to securely access and analyze borrowers' banking data with their consent. This enriches your credit assessment process and helps you make more informed lending decisions.
Can you show Perfios output on your screen? A: Yes, we do. Refo's platform seamlessly integrates with Perfios, enabling you to analyze bank statements directly within our interface. Gain valuable insights and streamline your credit assessment process with this powerful integration.
Yes! Refo's platform is designed to ingest and analyze data from multiple sources, including credit bureaus, account aggregators, GST, and more. Our advanced analytics engine triangulates this information to generate accurate and comprehensive customer scorecards, empowering you to make data-driven lending decisions.
Yes, we can! Our platform is equipped to extract relevant data from ITR documents, further enhancing our credit assessment capabilities and providing a holistic view of the borrower's financial health.
Yes, we can seamlessly integrate with the Ministry of Corporate Affairs (MCA) database to access relevant financial data for companies. This helps you evaluate the creditworthiness of business borrowers more effectively.
Currently, MCA does not make financial data available for Sole Proprietorship companies. However, Refo's platform allows you to collect and analyze financial data from other sources, such as bank statements and ITR, to assess the creditworthiness of sole proprietors.
The future of small business lending is here.
Ready to see Refo in action?