Loan Disbursement Automation

AI-Driven Disbursement for Instant, Error-Free Fund Transfers

Introduction

Traditional loan monitoring methods depend on static, periodic checks — often identifying problems only after they occur. With Glib.ai, banks and NBFCs can shift from reactive to proactive credit risk management using real-time AI-driven early warning systems that continuously monitor borrower health and flag risks before they turn into defaults.

"GLIB.ai will help us assess merchant risk in a better and more efficient manner. With FinRay, we can quickly analyze key ratios from financial statements across multiple languages."

Francesco Garcia

Director - Merchant Credit Risk

Other Use Cases

Loan Origination Automation Borrower Profile Enrichment Risk Based Loan Pricing Loan Monitoring Loan Disbursement Automation Loan Servicing Automation

Key Benefits

Instant Loan Disbursals: Reduce disbursement timelines from multiple days to just minutes. Funds are transferred automatically once approval and compliance conditions are met.
Automated Regulatory Compliance: Our platform runs KYC, AML, and sanction list checks before any fund release — ensuring disbursements are fully compliant with RBI, SEBI, and AML regulations.
Error-Free Processing: Eliminate manual processing errors by leveraging AI to verify disbursement details, match bank account data, and execute fund transfers without human intervention.
Multi-Stage Disbursement Support: Supports partial or milestone-based disbursements (e.g., construction loans, education loans) with full tracking and control.
Banking & Payment Gateway Integration: Works seamlessly with core banking systems, UPI, IMPS, RTGS, and third-party payment gateways via secure APIs — ensuring frictionless payouts.
Automated Escrow & Fund Flow Management: For digital lenders and NBFCs, Glib.ai supports disbursement through escrow accounts and structured fund flow mechanisms.

Human expertise + Machine intelligence

Assist, augment and automate.

Questions? Answers.

Here are some frequently asked questions. If you have any other questions, please feel free to contact us.

How does Glib.ai automate the loan disbursement process?

Once a loan is approved, Glib.ai automatically performs a final round of compliance checks — including borrower KYC, AML screening, and account verification. Upon clearance, the system triggers real-time fund transfers to the borrower’s account using integrated APIs. This eliminates delays and ensures process integrity.

Can Glib.ai integrate with banks, NBFCs, and digital lending platforms?

Yes, Glib.ai supports seamless integration with a wide variety of financial institutions through secure, RESTful APIs. Whether you're a traditional bank, NBFC, or fintech lender, our system plugs into your disbursement stack — enabling automation without disrupting your workflows.

How does Glib.ai prevent fraud during disbursement?

Our system uses AI to validate borrower identity, verify banking credentials, and cross-reference multiple data points (e.g., PAN, Aadhaar, bank name mismatch, blacklists). Any anomaly is instantly flagged for manual review, significantly reducing the chances of fraudulent or erroneous disbursements.

Does Glib.ai support structured or milestone-based disbursements?

Absolutely. For loan types like home construction, education, or business expansion, Glib.ai enables lenders to automate staggered fund releases based on predefined milestones, documentation, or inspection outcomes — improving control and compliance.

Is the loan disbursement process compliant with financial regulations?

Yes. Our platform is fully aligned with the latest guidelines from RBI, SEBI, and financial intelligence units. Every disbursement is logged with time-stamped audit trails, encryption, and AML validations, ensuring total compliance and transparency.

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