The Scofit Platform
One platform. Multiple financial workflows. Verify customers, assess risk, execute agreements, and manage collections through a single integrated infrastructure layer.
Built for Financial Businesses That Move Fast
Scofit provides modular API infrastructure designed for lenders, banks, fintechs, and NBFCs. Each product is purpose-built for a stage in the financial lifecycle, and all products share a unified data layer so information flows seamlessly from onboarding through collections.
One Integration, Complete Workflow
Instead of stitching together dozens of vendors, Scofit gives you a single integration point for KYC, KYB, credit data, underwriting, eSign, eNACH, and collections. Less vendor management, faster go-to-market, and a consistent developer experience across every product.
Explore the Platform
Each product addresses a critical workflow. Together, they form a complete financial infrastructure.
How the Platform Works
Three layers of functionality that connect into a unified financial workflow.
Verify — Authenticate individuals and businesses at onboarding. KYC, KYB, document validation, and liveness checks happen in the first layer. Data is captured once and reused across the platform.
Understand — Analyse financial behaviour and creditworthiness. Credit bureau data, bank statement analytics, income verification, and employment checks feed into a consolidated risk profile.
Act — Execute financial decisions with confidence. Underwriting engines evaluate risk, eSign finalises agreements, eNACH sets up repayments, and collections automation manages the lifecycle post-disbursement.
The Digital Lending Lifecycle
Scofit covers every stage from lead generation to recovery. Each stage maps to one or more Scofit products.
Lead Capture — Integrate application intake through APIs or SDKs. Capture applicant data with structured fields.
Onboarding — Guide applicants through document upload, consent collection, and preliminary data gathering.
KYC / KYB — Verify identity through Aadhaar eKYC, PAN checks, face match, and video KYC. For businesses, validate registration and director details.
Document Verification — OCR extraction, forgery detection, and data validation across government-issued documents.
Credit Check — Pull bureau scores, analyse credit history, and assess existing obligations across multiple bureaus.
Underwriting — Apply configurable rules, risk models, and policy frameworks to generate automated lending decisions.
eSign — Execute loan agreements digitally with Aadhaar-based or DSC-based electronic signatures.
eNACH — Register repayment mandates through NACH for automated recurring collections.
Disbursement — Route funds to borrower accounts through IMPS, NEFT, or RTGS with real-time status tracking.
Monitoring — Track portfolio health, repayment behaviour, and delinquency signals across active loans.
Collections — Automate follow-ups, generate payment links, and reconcile incoming payments for overdue accounts.
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