Zoral supports the transformation of SME lending with scalable, intelligent, and automated digital solutions. From origination and underwriting to servicing and recovery, Zoral enables financial institutions to meet the dynamic and underserved needs of SME segments through speed, accuracy, and adaptability.
Small and medium enterprises (SMEs) form the backbone of many economies, yet remain chronically underbanked due to the perceived risk and operational complexity in serving them. Traditional approaches struggle to balance speed, compliance, and personalization in SME finance.
Manual and fragmented origination and underwriting processes
Inadequate credit scoring models for thin-file SMEs
High operational costs relative to ticket size
Lack of personalization in credit products
Poor visibility into real-time business performance and repayment ability
Zoral empowers banks, non-banking financial institutions (NBFIs), digital lenders, and ecosystem players to scale SME credit profitably. By combining robust digital capabilities with adaptive AI-driven intelligence, Zoral eliminates bottlenecks across the SME lending lifecycle—enabling institutions to originate faster, underwrite smarter, and serve better.
Enables real-time, multi-layered decisioning with business rules, predictive models, and adaptive learning
Supports configurable SME onboarding journeys with automated document capture, validation, and scoring
Aggregates SME transactional data, digital activity, and payment behaviors to enrich credit models
Configures end-to-end SME lending processes with SLA tracking, branching logic, and intervention triggers
Combines behavioral scoring, sentiment analytics, and contact strategy optimization
Zoral’s decisioning engine reduced our SME onboarding time by 40% while improving approval accuracy.
Head of Risk
Regional SME Lender
We now offer personalized SME credit with minimal manual intervention, thanks to Zoral’s intelligent automation.
Product Lead
Fintech SME Platform
The collections module helped us prioritize and recover from at-risk SME borrowers faster than ever.
VP of Operations
Digital Bank
