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One rail. Multiple ways to deploy it.

Whether you need bulletproof collections, real-time affordability data, or zero-cost borrower acquisition, our payroll credit rail adapts to your lending requirements.

Collection

Bank

Rail

Phela

Source

Payroll

Borrower

Employee

Deduction at Source

The core. Integrate once into employer payroll. Deductions flow automatically on every pay cycle. Collections routed directly to your bank’s account.

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Origination

Every employee on an integrated employer is pre-qualified. Auto-approval available. DTI-based affordability. CRB checks. Your bank gets qualified borrowers delivered to it.

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CRB and Affordability

Real-time affordability scoring. Internal payroll deductions and external obligations captured before every loan decision. The bank sees a clean, current picture.

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Beyond Credit

Insurance, unit trusts, savings. Any product that benefits from guaranteed payroll deduction can run on the rail. Same mechanic, new revenue lines.

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Built for banks that lend to salaried workers

Ready to transform your salary lending book?

If your bank serves salaried employees and wants guaranteed repayment, we should talk. One integration changes everything.

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