SME lending platform

iGCB’s eMACH.ai Digital Lending Platform is a fully automated, cloud-ready solution that streamlines the entire credit lifecycle—from origination and underwriting to servicing, debt management, and collateral oversight. Designed for retail, SME, corporate, and agricultural lending, it supports dynamic loan creation through a DIY product model and processes thousands of transactions per second. With its “Always On, Always Aware” real-time architecture and embedded AI for intelligent underwriting, the platform delivers a 360° borrower view, enabling faster decision-making, significant reductions in non-performing loans, and improved risk mitigation. Financial institutions leveraging the platform have seen up to threefold growth in origination volume and a 20% drop in past-due and written-off loans. Architected on MACH principles and scalable across hybrid, public, and private cloud environments, eMACH.ai Lending empowers banks to accelerate time-to-market for credit products, enhance operational efficiency, and drive sustainable lending outcomes.