Product thinking
Designed from the work, not from the software.
Most lending software is designed from the system outward. Screens first, then workflow, then whatever the institution has to change to make it fit. Our product thinking runs the other way.
We start with how things actually get done, then design the system around it. That is why the lifecycle sits on one core instead of arriving as modules to be joined later.
01 · Lending infrastructure
More power to cooperatives.
A unified lending operating system built for India’s cooperative financial institutions. It carries a member from first enquiry through onboarding, appraisal, approval, disbursement, servicing, collections and closure in one connected system, rather than asking a cooperative to work the way generic enterprise software expects.
Powered by SahAI, our proprietary agentic AI.
Origination and approval
Multi-channel capture, KYC, bureau checks and maker-checker review in one workflow.
Servicing and collections
EMI posting, restructuring, foreclosure, overdue tracking and structured escalation.
Product configuration
Rules, charges and eligibility changed without an IT release.
SahAI assistance
Policy review, case summaries and gap identification, with the officer deciding.
Scattered tools and repeated data entry give way to one system with audit trails, role-based control and regulatory alignment, while decisions stay with the officer.
Visit Sahakar Shakti02 · Distribution infrastructure
Grow the DSA business. Run it with ease.
An operating platform for financial product distributors. It brings leads, lender matching, sub-agent teams, documents and commission into one workspace, so a distributor can see the whole pipeline and get paid correctly without running the business out of spreadsheets.
Embedded ML-based credit matching engine.
Lead capture and pipeline
Every enquiry tracked to an outcome instead of being forgotten.
Multi-financier matching
A configurable rule engine scores each case across lenders.
Team and sub-agent coordination
Work assigned, visible and attributable across the network.
Payouts and GST invoicing
Commission calculated automatically and invoiced from the same records.
Revenue stops leaking through forgotten leads and manual payout reconciliation, and the distributor keeps both the margin and the customer relationship.
Visit FINABRIX03 · Ideas and research
Our ideation lab where we think, write, design, debate.
Our thinking, practitioner thoughts, published in the open. Much of the argument behind Sahakar Shakti and FINABRIX was made here before either was built.
Services
We help startups reach an MVP that can earn its next investment.
The same practitioner judgement that shaped these products is available to founders and institutions building their own. We start with the business case, define the smallest release that can be tested with real users, and build only what that pilot needs.