Our Services
What We Build
Six domains, one lending stack. Each service is API-first and connects cleanly with your existing infrastructure—or stands alone from day one.
Customer Onboarding
Your onboarding flow is where most applicants drop off. We build mobile-first, compliance-ready journeys—KYC/KYB verification, document capture, bureau pulls, e-signatures, and smart re-engagement triggers—all configurable by product type and jurisdiction. Designed to convert, without cutting corners on compliance.
Learn MoreAutomated Underwriting
Real-time credit decisioning that returns an approve, refer, or decline in under two seconds. Bureau data, alternative signals, and your credit policy—all evaluated in a single pass. Your risk team updates decision logic without a development ticket. Full audit trail on every decision.
Learn MoreLoan Marketplace
A routing engine that matches each application to the right lender in real time, factoring in credit tier, loan amount, geography, product type, and live lender capacity signals. Waterfall, multi-submit, and best-offer modes are all configurable. Adding a new lender to your network requires no core platform changes.
Learn MoreAlgorithmic Lending
ML-driven credit models that go beyond bureau scores. Trained on your loan book and enriched with bank transaction data, GST/ITR signals, and telco behaviour. Stronger risk assessment across every credit tier—and the ability to serve thin-file borrowers you'd otherwise have to decline. Models are monitored, retrained on your data, and validated before any promotion to production.
Learn MoreData-Driven Rule Engines
Policy control for your credit team, not your dev team. Author, test, sandbox, and deploy decision rules through a no-code interface—without writing a line of code or filing a ticket. Sub-100ms decisioning via API, full version history, one-click rollback, and a complete execution log on every rule that fires.
Learn MorePlatform Engineering & Integrations
The integration layer that keeps your lending operation running—reliably. We connect credit bureaus, bank aggregators, GSTN, income APIs, e-sign providers, and CRMs with robust error handling, circuit breakers, and per-provider SLA monitoring. Contract-tested so breaking changes from providers don't silently reach production.
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API-First, Integration-Ready Architecture
Every TFM component exposes clean REST APIs—onboarding, decisioning, rule evaluation, and marketplace routing—each callable independently. You compose exactly the stack you need, nothing more. API documentation, SDK support, and sandbox environments are included as standard.
Compliance Built In, Not Bolted On
Regulatory requirements aren't a checklist we run through at the end. KYC/KYB orchestration, AML screening, consent capture with purpose binding, data residency controls, DPDP-aligned data handling, and immutable audit logs are embedded from the first line of code—configurable by jurisdiction and product type.
Multi-Source Data Integration
CIBIL, Equifax, Experian, CRIF, Account Aggregator, bank statement analysis, GST/ITR verification, telco and utility behavioural signals—all normalised into a unified applicant data model. Your underwriting engine reasons over a complete picture of each borrower, not fragmented inputs, in a single decisioning pass.
White-Label & Fully Configurable
Every component is a configurable platform, not a rigid SaaS product. Onboarding steps, underwriting logic, routing waterfalls, pricing rules, and UI branding are controlled through configuration—by your team, without engineering dependency. Launch faster, and iterate without a ticket queue.