Scale Smarter Lending Decisions with AI
Empower your institution with OptimLend,the intelligent Lending co-pilot built for financial institutions to accelerate credit analysis, cut underwriting time, and reduce delinquency risks through data-driven recommendations.
Transform Your Lending Operations
OptimLend helps lenders make faster, smarter credit decisions with AI-decision support, real-time portfolio insights, and automated policy alignment. Reduce manual work by 60% while improving portfolio quality and reducing default risk.
Intelligent Features for Modern SME Lending Operations
From AI-driven portfolio insights to automated credit recommendations, OptimLend equips financial institutions with everything needed to modernize lending decisions and scale intelligently.
1. Portfolio Overview
Comprehensive analytics to monitor performance, detect early warnings, and visualize portfolio health in real-time.
Identify high-risk clusters and optimize exposure
Reference Center
A centralized intelligence hub of borrower and SME profiles..
AI aligns recommendations with your institution's credit rules
Business Model Scan Engine
Evaluates SME fundamentals and operational resilience
Produces a Business Health Score (A–E rating) and a short diagnostic report Designed for pre-funding evaluation.
Workflow Automation
Streamline credit scoring, decision recommendation, and reporting.
Seamless integration with existing LOS or CRMs
ROI Simulator
Forecasts loan profitability and repayment dynamics under different assumptions.
See projected ROI, break-even points, and stress test outcomes
Behavioral Risk Module
Analyzes qualitative and transactional behaviors
Identify high-risk borrowers before funding using more than just Financial analysis
Post-loan Optimizer
For ongoing portfolio intelligence after disbursement.
rack borrower health through updated transaction data
AI Lending Co-Pilot
Floating assistant available across all modules — provides contextual help, borrower insights, and decision explanations in real-time.
Always available to guide your lending decisions
Why Leading Financial Institutions Choose OptimLend
Join forward-thinking banks and lending institutions worldwide who are transforming credit decisions with OptimLend's AI-powered intelligent co-pilot.
AI-Powered Decision Engine
Analyze borrower behavior, financial data, and historical performance — actionable recommendations with high confidence.
90%+ predictive accuracy on risk scoring
Enterprise Compliance & Security
ISO 27001 & SOC 2 Type II compliant, GDPR-aligned, multi-factor authentication, end-to-end encryption.
Built for regulated institutions
Portfolio Intelligence & Insights
Real-time analytics to detect early warning signals, optimize credit exposure, and track trends across sectors.
Monitor 200+ portfolio metrics in real-time
Seamless System Integration
Connect OptimLend to core banking systems, credit bureaus, CRMs, and internal data lakes — quick, smooth, and secure.
Integrate in days, not months
OptimLend
- AI-driven credit recommendations
- Real-time portfolio monitoring
- Automated documentation & workflows
- Enterprise-grade compliance & security
- Faster approvals, fewer defaults
Traditional Lending
- ✗Manual credit assessment
- ✗Periodic reporting
- ✗Manual, error-prone processes
- ✗Limited regulatory alignment
- ✗Slower decisions, higher NPLs
Seamless Integrations
Connect with your existing systems and data sources for a unified lending experience
Core Banking Systems
- Temenos
- Finacle
- Mambu
- FIS
Credit Bureaus & Scoring
- Experian
- Equifax
- TransUnion
- FICO
Data Lakes & CRMs
- Salesforce
- HubSpot
- Snowflake
- AWS
Bank-Level Protection Built for Regulated Institutions
ISO 27001
Compliant
SOC 2 Type II
Compliant
AES-256
Encryption
GDPR
Compliant
AES-256 Encryption (in transit + at rest)
Military-grade encryption protects all your sensitive lending data
Multi-Factor Authentication
Advanced authentication ensures only authorized access to your systems
GDPR & Local Regulatory Compliance
Full compliance with global and regional data protection regulations
Continuous Security Audits
Regular penetration testing and security assessments by third parties