The credit infrastructure that handles everything behind the loan
Foneloan brings banks, merchants and customers together through credit, turning existing banking relationships into lending opportunities.
Banks offer small, short-term loans inside their own mobile banking apps, and merchants offer pay later at checkout. Foneloan runs the risk assessment and loan management behind each one, so neither has to build it, and the bank stays in charge of the lending.
Customers see a pre-approved limit in their bank’s app, apply, and have the money within a few minutes.
How Foneloan Works
Foneloan brings together credit assessment, intelligent lending decisions, automated loan management, and an embedded customer experience to make digital lending work seamlessly.
01
Credit Intelligence
Understand Every Borrower.
Assesses creditworthiness, recognizes income, tracks repayment behaviour, and monitors payment reliability to evaluate loan eligibility over time.
02
Decision Intelligence
Make Smarter Lending Decisions.
Sets customer eligibility, loan limits, and terms based on bank-configured parameters, with NRB compliance, blacklist monitoring, and transparent decision-making.
03
Loan Management System
Automate Every Stage of Lending.
Automates loan disbursement, repayment scheduling, collections, overdue tracking, and reconciliation, with real-time portfolio monitoring for bank teams.
04
User Interface
Make Credit Easy to Access.
Delivers a seamless borrowing experience within the bank’s existing mobile banking app and embeds credit into the checkouts customers already use.
Proven at scale
600,000+
digital loans distributed
Bringing digital credit to customers at scale.
NPR 20Bn+
in loan value disbursed
Driving lending through automated disbursement and repayment cycles.
+2.38%
non-performing loan rate
Compared with the +5.89% banking sector average NPL.
Tiger on a Cliff
Our Core Values (TIGER) standing atop our Culture Pillars (CLIFF)
- Trust
- Integrity
- Grit
- Empathy
- Respect
- Collaboration
- Learning
- Innovation
- Fair
- Fun
We start with Trust
We are committed to honesty and reliability in all our relationships to ensure that we trust each other and our customers trust us.
We are driven by Integrity
We are guided by the highest moral and ethical standards and take full responsibility of our actions while caring deeply about the outcomes.
We work with Grit
We strive for excellence and remain focused and resilient to overcome all challenges even when faced with adversity.
We embrace Empathy
We put ourselves in the shoes of others to understand their feelings and perspectives to create an environment for human-centric relationships and customer-centric innovations.
We stand for Respect
We recognize that every individual is unique and treat everyone with dignity regardless of gender, class, opinion, or creed.
A Culture of Collaboration
Individuals work collectively towards a greater common goal by sharing knowledge, ideas, and resources with mutual trust for one another.
A Culture of Learning
Gritty Individuals and teams embrace each challenge and setback as an opportunity to adapt, re-strategize, and grow.
A Culture of Innovation
Everyone is focused on creating leading-edge solutions based on empathy by putting customers at the core of everything.
A Culture that is Fair
Individuals demonstrating Integrity to participate in interactions and decisions that are impartial, unprejudiced, and unbiased.
A Culture that is Fun
Individuals feeling valued and treating each other with Respect to nurture a vibrant and inclusive workplace with an enjoyable experience.