Enterprise SaaS & White-Label Architecture
SMECopilot Enterprise Credit Engine
The native offline-first loan appraisal & proxy underwriting platform designed for Microfinance Banks, Commercial Lenders, and Regional Financial Institutions.
Core Platform Capabilities
Built from the ground up for informal market underwriting and seamless field operations.
Offline-First Native App
Built on Flutter with embedded SQLite storage. Field officers capture ground-truth operational data even in low- or zero-connectivity regions.
Sector Proxy Underwriting
Algorithmically converts non-standard operational indicators (flour bag volume, boiler hours, grid load) into stress-tested cash flow and DSCR metrics.
Auto-Sync REST Engine
Seamlessly reconciles local field records with central bank queues as soon as connectivity is restored, featuring Raast-ready weekly sweep tracking.
White-Label Deployment Package
Deploy SMECopilot under your bank’s brand identity. Complete source code IP isolation, custom proxy formula configuration, and local core-banking API hooks.
- ✅ 100% Brand Customization (Android App & Web Queue)
- ✅ On-Premise or Managed Cloud Deployment Options
- ✅ Custom Risk Scoring & Localized Currency Support