The 15-Minute Loan: A Top 10 NBFC’s Journey to AI-Enabled MSME and Personal Lending Excellence

Customer Overview

A top 10 NBFC serving millions of MSME clients and small businesses across India set out to modernize personal and MSME lending at scale. With assets above ₹6,500 crore and net worth over ₹2,400 crore, it needed a faster and more scalable credit model.

What Needed to Change

Manual credit assessments, lengthy approvals, and fragmented workflows were slowing growth and limiting borrower experience. The business needed instant decisioning, high volume processing, and seamless integration with 55 third party APIs.

How the Transformation Took Shape

ezee.ai delivered a cloud native, zero code loan origination platform with AI driven decisioning, automated workflows, and embedded compliance controls. The solution reduced manual intervention and enabled rapid credit processing without disrupting operations.

Results That Mattered

  • Loan disbursals dropped from days to under 15 minutes.
  • Onboarding volumes rose by 400 percent, while approval rates reached 99 percent.
  • Manual errors fell by 90 percent and platform uptime remained at 99.9 percent.

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