Stop Defaults
Before They
Compound
Every financed device is really two things bundled together: a sale and a loan. Companies tend to be great at the first and completely unprepared for the second. The moment that phone leaves the counter, there's barely any real leverage left to make sure the loan actually gets repaid.
Risk threshold crossed. Automated escalation triggered — no manual step required.
Remote lock executed. Borrower sees payment reminder screen. Access held until confirmation.
Payment confirmed. Unlock fires automatically within seconds. Loan back on track.
Nobody Plans for
the Default
Every financed device is really two things bundled together: a sale and a loan. Companies tend to be great at the first and completely unprepared for the second. The moment that phone leaves the counter, there's barely any real leverage left to make sure the loan actually gets repaid.
A missed call is easy to shrug off. A text is easy to delete. Meanwhile the device keeps working just fine, so the borrower has no real reason to prioritize the payment. That's the core issue, and there's only one way to actually fix it.
Traditional collections still relies on people making calls one by one. It doesn't scale, it has no real teeth, and once you're financing devices at any real volume, it quietly eats into the economics of the whole business.
Five Steps. Fully Automated.
From the risk check at origination all the way through to unlocking the device the second a payment lands — nobody on your team has to touch any of it.
Risk Scoring at Origination
We flag risky accounts before the loan is even approved, not after the first payment's already been missed.
Real-Time Payment Tracking
Every payment, on every channel, is tracked as it happens — no overnight batch files, no lag, nothing slipping through.
Automated Reminders
Reminders go out ahead of the due date, right on schedule. This is where most late payments get caught before they become a problem.
Device Lock on Default
Cross the threshold and access is cut off — no field visit, no one on your team has to press a button.
Auto-Unlock on Payment
As soon as the balance clears, access comes back on its own within seconds, and the loan's back on track.
Numbers Worth Bringing to the Board
This isn't just a smoother process — it shows up directly in the financial and operational numbers you already report on.
Lower NPAs
Because repayment is actually enforced and early warnings catch trouble sooner, portfolio NPAs shrink before they turn into write-offs.
Faster First Action
You're acting within hours of a missed payment instead of days or weeks, so the account never gets far enough behind to become a recovery headache.
Real Repayment Discipline
Knowing a locked screen is the actual consequence changes how borrowers behave — very differently from just expecting another phone call.
Lower Cost per Loan
The routine stuff runs on autopilot and your team only deals with exceptions, so cost per loan comes down without cutting any corners.
What really changed wasn't just the default rate, it was how quickly we found out there was a problem. We used to be dealing with accounts that were already 30 to 60 days delinquent. Now we're acting within hours. That one shift changed the entire economics of recovery for us.
Who This Is For
If your business hands over a device before it's fully paid for, this is built for you.
Telecom Operators
Grow your postpaid or subsidy financing programme without your default rate growing right along with it.
NBFCs & Lenders
Bring down NPA exposure and get better repayment discipline without hiring another collections agent.
Fintech Companies
Launch embedded device financing without spending months building your own enforcement layer from scratch.
Retailers & Distributors
Sell on installments and actually stop worrying about the handset the second it walks out the door.
Frequently Asked Questions
Straight answers to the questions that come up most.
Ready to Get Your Device Financing Under Control?
We'll help you cut defaults, lift recovery rates, and run a financing operation that scales — without losing sleep over what happens to the device once it leaves your hands.