Layer 1 · 4 channels
Channels & Experience
- Mobile & Web ApplyDigital applications
- Branch & AgentAssisted origination
- Partner & POSEmbedded lending
- Broker PortalThird-party leads
Instant Loans
Seamless Lending.
Faster
An AI-driven lending platform enables clients to originate, approve, disburse and service loans end to end.
Product Overview
Avante covers the full loan lifecycle: origination, decisioning, disbursement, servicing and collections.
An AI-driven lending platform for every loan product, from origination to collections. Decide credit in minutes, disburse instantly and keep the whole portfolio in view.
- Loan OriginationApplications & documents
- Credit DecisioningRules & AI scoring
- DisbursementInstant payouts
- Servicing & CollectionsRepayments & recovery
- Any Loan ProductPersonal, SME & BNPL
- Embedded Lending APIsCredit in any journey
Another view of the same product
Channels & Experience:4 channels
Lending Engine:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
Instant Loans Integrations:9 connections
Layer 3 · 8 services
Data, Reporting & Integration
- Open APIsREST & events
- Core Ledger SyncReal-time postings
- Data Lake & AnalyticsUnified data platform
- DashboardsKPIs & insights
- Alerts & NotificationsOmni-channel
- Audit TrailsImmutable logs
- Regulatory ReportingCentral bank ready
- Host-to-HostLegacy integration
Layer 2 · 4 modules
Lending Engine
- Loan OriginationApplications & documents
- Credit DecisioningRules & AI scoring
- DisbursementInstant payouts
- Servicing & CollectionsRepayments & recovery
Across every layer · 6 controls
Security & Governance
- Access ControlRole-based & SSO
- Maker-CheckerDual authorization
- EncryptionAt rest & in transit
- Compliance ControlsAML & KYC checks
- ObservabilityMonitoring & SLAs
- Flexible DeploymentCloud or on-premise
Integrations · 9 connections
Instant Loans Integrations
Core Banking
Credit Bureaus
Identity Verification & KYC
Payments Hub
Risk & Compliance
Collateral Registry
E-Signature
Reconciliation
Data Warehouse
Avante Value Proposition
Choose your institution to see the use cases that matter most to you.
Personal Loans in Minutes
Instant decisions on personal loans.
Value for you
- Approvals in minutes, not days
- Higher conversion from applications
Up to0
SME & Commercial Lending
Structured credit for growing businesses.
Value for you
- Faster credit memos and approvals
- Portfolio view across facilities
Up to0
Mortgage & Home Finance
Digital mortgage journeys from quote to keys.
Value for you
- Documents collected digitally
- Fewer drop-outs mid-application
Up to0
Member Loans & Credit Lines
Simple loans with member-first pricing.
Value for you
- Fair, consistent decisions
- Loans serviced from one system
Up to0
Gold & Asset-Backed Loans
Secured loans against gold and other assets.
Value for you
- Collateral valued and tracked
- Lower-risk lending
Up to0
Agricultural & Seasonal Loans
Repayments matched to harvest cycles.
Value for you
- Flexible repayment schedules
- Better support for rural members
Up to0
Buy Now, Pay Later
Split payments at checkout, instantly.
Value for you
- Credit offered at the point of sale
- Bigger baskets for merchants
Up to0
Pre-Approved Digital Credit
Offer credit before customers even ask.
Value for you
- Offers based on real account data
- Credit taken up in one tap
Up to0
Salary Advances
Early access to earned wages.
Value for you
- Advances repaid automatically
- Loyal, engaged customers
Up to0
Microfinance Group Loans
Group lending with joint liability.
Value for you
- Group loans managed end to end
- Field teams fully digital
Up to0
Vehicle & Equipment Finance
Asset finance with automated schedules.
Value for you
- Dealer onboarding made simple
- Assets tracked through the loan
Up to0
Collections & Recovery
Smart, compliant collection strategies.
Value for you
- Early warning on at-risk loans
- Higher recovery rates
Up to0
Embedded Lending APIs
Add credit to any app through APIs.
Value for you
- Credit launched in weeks
- New revenue from existing users
Up to0
Revenue-Based Financing
Lend against future sales.
Value for you
- Repayments linked to revenue
- Credit for fast-growing merchants
Up to0
Credit Decisioning as a Service
AI scoring with alternative data.
Value for you
- Decisions in seconds
- More approvals for thin-file customers
Up to0
Merchant & Supplier Finance
Credit for your merchants and suppliers.
Value for you
- Stronger partner loyalty
- Revenue from financing
Up to0
Point-of-Sale Financing
Instalments on large purchases.
Value for you
- Fewer abandoned carts
- Credit risk handled by the platform
Up to0
Employee Loans
Salary-linked loans for your workforce.
Value for you
- Repayments through payroll
- Happier, more loyal staff
Up to0
Premium Financing
Spread premium payments over time.
Value for you
- More policies sold
- Premiums collected on schedule
Up to0
Policy-Backed Loans
Loans against life policy value.
Value for you
- Liquidity for policyholders
- Policies kept in force
Up to0
Agent Advance Loans
Advances for insurance agents.
Value for you
- Agents funded quickly
- Repayments from commissions
Up to0
The Avante Advantage
01
End-to-End Loan Lifecycle
Origination to collections on one platform.
02
AI Credit Decisioning
Scores from bureau and alternative data.
03
Any Loan Product
Personal, SME, mortgage, BNPL and more.
04
Instant Disbursement
Funds paid out in real time.
05
Configurable Workflows
Rules and approvals set by business teams.
06
Smart Collections
Early warning and automated reminders.
07
Digital Documents & E-Sign
Paperless applications from start to finish.
08
Embedded Lending APIs
Credit in any partner journey.
09
Portfolio Insights
A live view of risk and performance.
10
Built-In Compliance
KYC, AML and audit trails as standard.