NBFCs and lenders.
Micro loan stress rose faster than our team could call.
Where we would start: Collection calls within the rules. Voice agents make reminder calls within permitted hours and your approved script, log each promise and pass hardship cases to a person.
Files are read into the loan system with a confidence mark on every field, and analysts see only the doubtful ones.
Safe to say yes, in writing.
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“I'll pay and nothing will work.”It has to pass on your old work before it touches today's.20 of your past jobs, then live18 of 20 approved without changesFive working days of approved live workYour sponsor's written yes
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“The price will creep.”One fixed price, in writing, before any work.Your proposalThe plan: one priceEach build: one priceThe run: a monthly fee
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“I'll be locked in.”Stop any month and keep everything.JanFebMarAprstopMayJunThe month you stop, you keepEvery account, in your company's nameEvery line of codePlain files and a runbook
Your week, as it runs today.
NBFCs and other lenders borrow from banks and markets and lend to people and small businesses, earning the spread after credit losses and running costs, so profit depends on underwriting well, collecting on time and keeping the cost of each loan low. India had close to 9,000 NBFCs at the end of March 2025, and stressed assets in NBFC micro loans rose to 5.9% from 3.9% six months earlier (RBI Financial Stability Report, June 2025). The work is sourcing, KYC, appraisal, disbursal, collections, service and a long list of RBI rules.
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01
Loan files arrive as phone photos of bank statements, tax returns and property papers.
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02
A credit analyst reads 200 pages to write one appraisal note.
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03
Bounce lists come in on the 5th, and collection calls start from a printed list.
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04
A borrower complains that a recovery agent called at 9 pm.
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05
The quarter's RBI return needs data from four systems.
What it costs.
Our own sumOur analysts read hundreds of pages for every loan.
And the rest of the week
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No number yet
Micro loan stress rose faster than our team could call.
No figure we can stand behind yet, so we print none.
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A study, 2025
Fake or doctored papers slip through underwriting.
Banks reported loan frauds of Rs 33,148 crore in 2024-25, up from Rs 10,072 crore, though much of the rise came from older cases reported again after re-examination (RBI annual report, reported by Deccan Chronicle, May 2025).
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A study
One bad recovery call can bring the regulator to our door.
Under the RBI's Digital Lending Directions of 8 May 2025, the lender stays responsible for resolving every complaint, including those about its lending partners (Argus Partners summary).
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Our own sum
Borrowers call with the same questions about EMIs and statements.
Two people answering borrowers' same questions about EMIs and statements all day cost about Rs 6 lakh a year in salary.
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A study, 2025
Customer data passes through too many hands and tools.
77% of staff who use AI tools paste data into them, and 82% of those pastes come from personal accounts the company can't see (LayerX, October 2025). In India the average data breach cost Rs 22 crore in 2025, and unapproved AI use added about Rs 1.8 crore to it (IBM Cost of a Data Breach, India, 2025).
Ten systems for lending, under the six offers.
We plan the whole company, then build the first three. The usual first build here is marked, and the window beside the cards shows the one you are reading.
Get paidYou did the work. The money shouldn't take 90 days.
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The usual first buildVoice
Collection calls within the rules
Voice agents make reminder calls within permitted hours and your approved script, log each promise and pass hardship cases to a person.
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Agents
Appraisal note drafts
Drafts the credit appraisal from the file, with every figure linked to the page it came from, for the credit officer to decide.
Win customersLeads wait until Monday. The buyer doesn't.
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Intelligence
Early warning
Watches repayments, bank flows and bureau data and flags the accounts most likely to slip, weeks ahead.
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Conversations
Borrower desk on WhatsApp
EMI dates, statements, foreclosure quotes and receipts answered on WhatsApp in the borrower's language.
Get the work doneEverything comes to you. Most of it shouldn't.
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Documents
Loan file reader
Reads bank statements, tax returns, GST filings and property papers into the loan system, marks how sure it is of each field and sends only the doubtful ones to a person.
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Apps
Sourcing partner app
Sourcing partners submit files and see each one's status, so nothing waits in a mail thread.
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Operations
Field collection app
Routes, visits, receipts and location for field collectors, with every visit recorded.
Know your companyOnly one person knows how pricing works.
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Knowledge
Policy and circular brain
Credit policy, product rules and RBI circulars searchable for every branch, with the clause beside each answer.
Stay in controlYour staff already use AI. Your files go with them.
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Trust
Fraud and document checks
Spots edited PDFs, mismatched statements and repeat applicants before a loan is approved.
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Models
Private lending AI
Models that run on your own servers, so borrower data never leaves your control.
The same week, with them running.
The five moments from the top of this page, once the first systems do their part. Flip back to see how it runs today.
An example week. It shows how the work changes, never a measured result from a client.
- 01
Files are read into the loan system with a confidence mark on every field, and analysts see only the doubtful ones.
- 02
The appraisal note is drafted with each figure linked to its page, for the credit officer to decide.
- 03
Reminders go out before the due date, and calls follow within permitted hours, with every promise logged.
- 04
Every collection call is recorded and checked against the rules.
- 05
Regulatory returns are assembled with each figure traced to its source.
- 01
Loan files arrive as phone photos of bank statements, tax returns and property papers.
- 02
A credit analyst reads 200 pages to write one appraisal note.
- 03
Bounce lists come in on the 5th, and collection calls start from a printed list.
- 04
A borrower complains that a recovery agent called at 9 pm.
- 05
The quarter's RBI return needs data from four systems.
The nearest work we have built.
Each piece names the kind of company it was built for. None of them is in your trade yet, and we say so. Ask to see it running.
- Relocation and global mobility · Agents An AI agent in the team chat An AI agent sits in the team's group chat, answers from the company's own knowledge and takes on requests. Built for a relocation company with teams across India. Built
- Events and conferences · Apps and portals Conference apps in two languages Delegates carry the whole day on their phone, in Japanese or English at a tap: every session, live captions, and a written recap of every session the same day. Built for an industry body in Asia Pacific, for its leadership meetings. Live
- Relocation and global mobility · Operating systems Relocation operating system Built so a relocation company can run on one system, with every case, vendor, payment, visa and home in it. Built for a relocation company with teams across India. Live behind a sign in
Signs it is time.
- Loan files are keyed in by hand.
- Early delinquencies are rising.
- An RBI inspection is coming, or new directions need putting in place.
- They're expanding into new states or products.
- Collection agencies are hard to supervise.
Who decides.
The chief executive or chief operating officer; for credit tools, the chief risk or credit officer; for collections, the head of collections, with the compliance head comfortable.
Why this time is different.
AI that was bought and changed nothing.
A tool was bought and nobody owned the job. We take the whole job, test it on your past work, and stay to run it.
What lenders ask first.
Who says yes before anything goes out?
The person who owns that job at your company today. You name them when we write the rules with you. Inside those rules the agent acts at once. Anything outside them waits for one tap from the person named, on their phone, ready to approve or to change.
Do we have to change the software we use?
No. We build around the systems you already run, in accounts in your company's name, and we confirm each one before we start.
What does it cost?
There is no price on this page, because it depends on the work. After the session you get a written proposal with the scope, the test it has to pass, who works on it and one fixed price, before any work.
You did the work. The money shouldn't take 90 days.
The invoice goes out the day the job is done, and it is followed up politely until it is paid or your person takes over.
What changes. The bill goes the day the proof arrives, the follow up happens without you, and no supplier bill is paid unchecked.
What we measure, before and after. Days from work done to invoice, days from invoice to money in and supplier bills paid without a check.
The old way keeps running until the new one has passed on your own work.
What costs your lending business most? Bring us that.
45 minutes on a video call with our founder and the people who live with the problem. Nothing to sign. You leave knowing what we would build first, and why.
Or write to us.hello@agentec.cloudAgentec on LinkedIn