Business Financing Solution
Manage Business Financing and Credit Easily with AOPAY
by AO Pay
PaidiOSAndroidWeb
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About
AoPay provides a business lending and financing platform for financial institutions to run digital lending end to end. The site describes infrastructure for loan origination, automated underwriting and credit assessment, approval workflows, digital documentation, and instant disbursement through integrated payment rails (NEFT, RTGS, IMPS, UPI). It also covers loan servicing capabilities such as EMI scheduling, reminders, fees, restructuring, and account maintenance, plus portfolio analytics for delinquency and risk monitoring. The platform includes collections workflows using SMS, email, WhatsApp and agent management tools. AoPay emphasizes built-in compliance for RBI guidelines and KYC/AML requirements, security controls, and an API-first architecture for integrations. It supports multiple loan products including working capital loans, term loans, invoice financing, MSME loans, equipment financing, and lines of credit, with options for white-label web and mobile apps and flexible pricing models.
Problem & solution
Problem
Manual, slow SME lending operations increase cost, risk, and compliance burden.
Solution
End-to-end platform automating origination, underwriting, disbursement, servicing.
Who it's for
Banks, NBFCs, lenders, and fintechs offering business loans.
Main features
- Loan origination
- Automated underwriting
- Instant disbursement
- Collections management
- Compliance engine
Use cases
- Launch working capital loans
- Automate collections and servicing
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