AI powered Lending Platform as a Service

to power excellence in the

B2B and B2C lending landscape

About Us

Technology innovators in lending systems

At PhotonMatters, we leverage our deep industry insights and engineering experience to provide a robust, plug-and-play loan management platform that significantly accelerates the go-to-market time for our clients. Our solutions are engineered to remove the technological challenges, enabling financial companies to focus on business growth and customer experience innovation

Explore Our Solutions

Loan Management Platform

Dynamic Rule Engine

Adapt rules to evolving financial and regulatory environments.

Automated Risk Assessment

Utilizes AI driven analytics for precise, real-time credit scoring and risk grading.

Credit Scoring

Integrates diverse data from credit bureau, kyc, open banking and more for credit scoring

Risk Assessment Criteria

Create tiered risk assessment criteria and conditions for loan eligibility

Loan Product Creation

Quickly launches market-responsive loan products, do A/B testing

Loan Restructuring

Offers flexible refinancing and moratorium features

Real-Time Reports

Instant, customizable reporting via an intuitive interface.

Loan Disbursement

Loan disbursement features for both asset and cash loan business models

Loan Servicing & Management

Manages all loan aspects with detailed precision.

Integration Capabilities

Seamlessly connects with Credit Bureaus, KYC, Open Banking and many more data points

Customer Service & Support

Provides a dedicated portal for customer care, ticketing and support

Regulatory Compliance & Reporting

Ensures compliance with financial regulations and streamlined reporting.

Payment Processing & Collections

Integrate with omni-channel payment solutions for disbursement and repayments

Loan Life Cycle Management

Comprehensive management from initiation to closure.

Are you poised to redefine the lending business and consumer experience?

Partner with us to scale faster by efficiently delivering innovative features to customers