Paxingo combines machine learning with human credit expertise to make better lending decisions. Our models are trained on regional data and continuously improved with every application we process.
How Paxingo Works
A seamless second-look underwriting process that fits into your existing workflow.
The Second-Look Process
1
Bank Declines Application
When your bank declines an SME loan application through standard underwriting, the application data is automatically or manually forwarded to Paxingo.
2
Paxingo Receives & Enriches
We receive the application and enrich it with alternative data sources — trade payment history, digital footprint, supply chain data, and regional credit signals.
3
AI Re-Underwriting
Our hybrid AI engine re-evaluates the application using credit models specifically trained for Vietnamese and Southeast Asian SME lending markets.
4
Funding Decision
Approved applications are returned to your bank with a credit recommendation. Your bank can fund the loan directly, or Paxingo funds it on our balance sheet.
Our Technology
- AI models trained on Southeast Asian SME credit data
- Expert human review for edge cases and model validation
- Continuous learning — models improve with every decision
- Alternative data integration for fuller credit pictures
Bank Integration
Paxingo integrates seamlessly with your existing loan origination system. We support API-based real-time integration or batch file uploads — whatever fits your workflow.
- REST API for real-time application forwarding
- Batch upload support for existing workflows
- Bank-grade encryption and data security
Security & Compliance
We take data security and regulatory compliance seriously. Paxingo is built to meet the requirements of regulated financial institutions in Vietnam and across ASEAN.
- End-to-end encryption for all data in transit and at rest
- Compliant with State Bank of Vietnam data regulations
- SOC 2 Type II certified infrastructure
- Strict data access controls and audit logging
Frequently Asked Questions
How long does integration take?
Most banks are fully integrated within one week. We support both API and batch file methods to fit your existing workflow.
What data do you need from declined applications?
We need the standard application data your bank already collects — business information, financial statements, and the original credit decision. No additional data collection from borrowers is required.
Who takes on the credit risk?
That depends on the partnership model. If your bank funds the approved loans, you take the credit risk (with Paxingo's enhanced underwriting). If Paxingo funds them, we take the risk entirely.
What is the approval rate on second-look applications?
On average, we approve 30-40% of applications that were originally declined. These are genuinely creditworthy borrowers that traditional underwriting models miss.