Lending | SME

New lending flows tailor-made for SMEs

Harness the power of APIs to create new lending opportunities for SMEs. Create a custom credit program tailored to your target customer segment.

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product features

Higher conversion

Increase your revenue and loyal customer base by modernizing your lending process.

Customized process

Club sachet loans and line of credit offering in one single flow and expand your market offerings.

Streamline operations

Our industry experience will help you in building your lending process just the way you envision it.

Instant financing

The transactions go through our pipeline in real-time thereby keeping your promise of instant financing.

the Challenge

Pileup of expenses = No working capital

SME's often experience cash crunch due to bill payments, inventory purchases, and other expenses. Working capital becomes scarce due to a pile-up of expenses and bill payments, and it hinders the business's growth.

the solution

Thriving cash flow = KODO credit card

KODO was one such lending platform that offered a corporate credit card with interest-free funds. Further, it gave a flexible repayment period and on-demand working capital loans.

the outcome

Transactions - and counting...

No. of transactions

400 Thousand

amount transacted

$4.5 Million

end point overview

Workings of YAP Credit

Know how YAP APIs are enabling SME lending

API Response

Run

                            
                                {
	"mti": "0200",
	"pan": "5088XXXXXXXX0005",
	"processingCode": "311000",
	"transactionAmount": "0000000000000",
	"settlementAmount": null,
	"cardHolderBillingAmount": null,
	"dateTimeTransaction": "0412183004",
	"settlementConversionRate": null,
	"cardholderBillingConversionRate": null,
	"stan": "247972",
	"rrn": "242772502272",
	"timeLocalTransaction": null,
	"dateLocalTransaction": "183008",
	"expiryDate": null,
	"mcc": "6011",
	"channel": null,
	"acquiringCountryCode": "356",
	"posEntryMode": "901",
	"cardSeqNumber": null,
	"pointOfServiceConditionCode": "00",
	"feesAmount": null,
	"acquiringInstitutionCode": "720397",
	"forwardingInstitutionCode": null,
	"authorizationIdResponse": null,
	"responseCode": null,
	"serviceConditionCode": "520",
	"cardAcceptorTerminalId": "TEST1234",
	"cardAcceptorId": "TEST12345678901",
	"cardAcceptorNameLocation": "M2P KARTHICK TNIN",
	"additionalResponseData": null,
	"track1Data": null,
	"transactionCurrencyCode": "356",
	"settlementCurrencyCode": null,
	"cardholderBillingCurrencyCode": null,
	"additionalAmount": "9090356D000000001000",
	"chipData": null,
	"adviceReasonCode": null,
	"posDataCode": "5116615GA000000400051Address",
}

Explore other flows

In Lending

Consumer

Optimized lending flows designed to suit all types of lenders - from traditional NBFCs to Consumer Internet Companies to new-age lending startups

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Corporate

Control and track Business spends with a suite of tailor-made lending solutions for Corporate. Just-in-Time funding provides complete flexibility

Explore Get API Keys

Credit Card

Modern Credit Card issuance made fully available on APIs for innovators to design world-class experiences

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New lending flows tailor-made for SMEs

Higher conversion

Customized process

Streamline operations

Instant financing

Here's how we built the flow of KODO to reach SMEs

Pileup of expenses = No working capital

Thriving cash flow = KODO credit card

Transactions - and counting...

Workings of YAP Credit

In Lending

Consumer

Corporate

Credit Card

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New lending flows tailor-made for SMEs

Higher conversion

Customized process

Streamline operations

Instant financing

Here's how we built the flow of KODO to reach SMEs

Pileup of expenses = No working capital

Thriving cash flow = KODO credit card

Transactions - and counting...

Workings of YAP Credit

In Lending

Consumer

Corporate

Credit Card

Subscribe to Our Newsletter

Scan or click for payments

Scan or
click for payments