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Empowering Lenders with Innovative, Automated Loan Solutions

At Credifyr, we are dedicated to transforming the lending industry through innovation and automation. Our platform offers a comprehensive, fully automated loan management system designed to simplify complex processes, improve efficiency, and deliver seamless experiences for both lenders and borrowers.With powerful white-labeling options, Credifyr allows businesses to create a personalized lending platform that reflects their unique brand and operational needs. From custom loan applications and eligibility criteria to AI-driven analysis and tailored payment plans, we empower lenders with the tools to succeed in a competitive market.Credifyr is more than a software solution—it's a partner in your growth, helping you streamline operations, save time, and scale effortlessly. Join us in reshaping the future of lending.

About Us

Feature

Powerful Features to Transform Your Lending Experience

Discover the advanced features that make Credifyr the ultimate solution for streamlined, automated loan management. Our platform is designed to cater to the unique needs of lenders, offering customizable tools that enhance efficiency and elevate the borrower experience.

From white-label branding and tailored loan applications to AI-driven eligibility assessments and payment plan generation, Credifyr equips you with everything you need to manage loans effortlessly. With multi-loan type support, domain personalization, and integrated communication tools, Credifyr ensures every aspect of your lending process is covered.

Key Features:
White-Label Customization: Brand the platform with your logo, colors, and domain for a seamless experience.
Custom Loan Applications: Tailor application forms to meet your specific business needs.
AI-Driven Eligibility Assessment: Automate decision-making with intelligent loan analysis.
Dynamic Payment Plans: Generate personalized repayment options for approved loans.
Multi-Loan Type Support: Manage a variety of loan products from one unified platform.
Integrated Communication Tools: Send custom SMS and email updates based on loan decisions.
Webhook & API Integration: Effortlessly connect Credifyr to your existing systems.
Domain Personalization: Host the platform on your own domain for a professional, branded experience.
Experience the future of lending with features built to empower your business and delight your clients.

24/7 Support

Flexible Repayment : Customize your loan with easy payment plans.

Low Cost

Low-Interest Rates: Enjoy competitive rates for affordable borrowing.

110+

Country Wide

1K+

Happy Client

195

Winning Awards

$8M+

Total Loan

FAQ

Frequently Asked Questions

Here are some of the frequently asked questions

Credifyr prioritizes data security with industry-standard encryption and compliance measures to ensure your data and your customers' information are always protected.

Yes, Credifyr supports webhook and API integrations, allowing seamless data transfer to and from your current systems.

Credifyr uses advanced AI and customizable formulas to assess eligibility, process applications, and generate payment plans, eliminating manual tasks and speeding up loan decisions.

Absolutely! Credifyr is designed to handle various loan types, enabling you to manage personal loans, business loans, mortgages, and more, all from a single platform.

Yes! Credifyr offers full white-labeling options, allowing you to customize the platform with your logo, colors, and domain, creating a seamless experience that reflects your brand.

Credifyr is an automated loan management platform designed to simplify and streamline loan processing for lenders. It offers white-label customization, AI-driven eligibility assessments, custom loan applications, and more, empowering businesses to manage loans efficiently.

Credifyr is ideal for lenders of all sizes, from startups to established financial institutions, looking to automate their loan management processes while maintaining flexibility and customization.

Blog Post

Our Latest Blog

03

Aug

Helped by Loan : Finding the Perfect Summer Internship

After graduating from college, many jobs want experience in your work field. Having a summer internship is a great way gain experience. Here are some ways to find the perfect internship for you:Check out online resourcesThere are many online resources to help you look for internships. CyHire is a great tool to find employers who are recruiting Iowa State students. You can search for positions by your college or major, upload your resume, view career fair information and more. You can even automate your CyHire search to have new opportunities emailed to you. LinkedIn is another great tool to connect with people and to find internships in different cities and states. Through LinkedIn you can also connect with alumni of Iowa State University.Attend career fairsCareer fairs are a great way to network and to create connections with people in the work force. Through networking you are able to share your resume and network for yourself with others. Connections are important for finding job opportunities.Contact the employer directlyYou don’t see an internship at a business or organization you want to work for? Contact the business or the employers. This shows them that you are motivated and willing to go the extra mile.Find something that works for youLooking for an internship that intrigues you and will help you improve your skills and connections is important when making a final decision. While there are both paid and un-paid internships, there may be scholarships you can apply for if you decide to take an un-paid position, so don’t discount an opportunity if it will ultimately help you gain valuable experience.

03

Aug

Agri-loan, key to farming success

Starting today's article with statistics provided by the Bangladesh Bank.According to IFPRI, 19 percent of farmers take loans from relatives. 15 percent from the landowner, 11.4 percent come from moneylenders and 3.6 percent from various associations and cooperatives. Farmers get the largest share of the loan from the Krishi Bank, which is about 15 percent. Large, medium and small farmers together get 36 percent of the total loan while marginal farmers get about 5 percent. The total percentage of loan all the farmers get is 36 percent. Sharecroppers, the farmers who cultivate other people's land on lease, do not get this loan. As a result, they have to rely on loans from other sources, including NGOs.Small NGOs and associations began to form in the districts and upazilas from the 80s to the early 90s of the last century. Along with other developmental activities, these institutions started a micro-credit programme. Institutions thrive mainly on interest earned from loans. But there is no such change in the farmer I have witnessed. The farmer falls into a debt trap and sometimes carry the burden of prolonged loans that they take from NGOs and local moneylenders. Farmer Rafiqul Islam from Natore, at one of the open-air discussion among farmers and policymakers, popularly known as 'Krishi Budget Krishoker Budget' (Farmers' Voices in Budget, aired on Channel i), said he has never seen any political person become poor while doing politics, but the farmers are not well off doing their profession, which is farming. "We don't have capital, no one thinks about our market, no one talks about us," Rafiqul angrily said. Such anger doesn't only come from Rafiqul, but almost every farmer bears the same agony. Most importantly, the moneylenders expanded their business by capitalizing on the poor state of the farmers and they never want them to get out of this vicious circle of borrowing money from the locally-rich and powerful people.

03

Aug

Dealing with Delinquent Business Loans: Protecting Your Finances and Credit

Closing on a business loan often brings a sense of relief and excitement as you secure the funds to grow your business. However, it’s not uncommon to find yourself overwhelmed after a few months or years, realizing that you’ve taken on more than you can handle. With over one-third of Americans struggling with delinquent debt and the risk of loan defaults, taking immediate action is crucial when you fall behind on loan payments. This article provides essential information on delinquent loans, defaults, and practical strategies to protect yourself and minimize the associated damage.Understanding Delinquent LoansA loan becomes delinquent when you miss a payment, even in just one day. If you miss payments or cannot make them for an extended period (typically 90 to 120 days), the lender may classify the loan as default and initiate collection procedures. Both delinquent loans and defaults have negative implications for your credit. It’s important to note that the timing of your delinquency rarely matters. For example, if your payment is due on February 1 and the lender doesn’t receive it that day, the loan becomes delinquent on February 2.Consequences of Delinquent LoansThe consequences of a delinquent loan depend on your lender’s policies and the terms outlined in the loan agreement. However, there are three typical outcomes:Penalty Rates & Late Fees: Loan agreements often permit lenders to charge late fees after a few days grace period. Some agreements also permit the lender to increase the interest rate on overdue amounts, known as a “penalty rate” or “default rate.” Late fee structures vary among lenders, so it’s essential to understand their specific policies to avoid surprises.Negative Impact on Credit Score: Once you are 30 days late on payments, lenders can report the late payment to credit bureaus. Beyond this period, a late payment can decrease your credit score by nearly 100 points. In addition, poor credit score makes qualifying for future business loans more challenging. Late payments can remain on your credit report for up to seven years, even if you pay the lender after the item is reported.It’s worth noting that this 30-day rule does not apply to business credit reports, as lenders can report late payments to commercial credit bureaus even if you are just one day late.Increased Contact from LendersWhen you have a delinquent loan, expect frequent calls and emails from your lender urging you to make payments. Lenders prioritize collection efforts while the deadline is fresh in your mind. As delinquency continues, it becomes more challenging for lenders to collect the debt.Delinquent Loans vs. Defaulted LoansA loan transitions from delinquency to default when you have an outstanding balance for an extended period specified in the loan agreement. Typically, lenders wait 90 to 120 days before considering a loan as default.How to Identify Defaulted LoansWhen a loan goes into default, the lender will send you a written notice stating that you have breached the loan agreement and must immediately repay the entire loan balance. The lender might also sell or transfer the debt to a collection agency, escalating collection efforts to recover the outstanding balance. If the lender believes they won’t recover the money, they can charge off the loan, removing it from their books. However, you remain responsible for paying the debt.Actions After DefaultThe lender’s subsequent actions depend on whether the loan is secured or unsecured. Secured loans have collateral or personal guarantees backing them, while unsecured loans do not.

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