Biz2X Partners with Mastercard to Provide Credit Analytics for Underwriting and Portfolio Monitoring Learn more

Official AWS Partner

Biz2X is a turnkey global SaaS company bringing financial inclusion to the MSMEs. Biz2X Platform is built on world class technologies and leverages AI-ML to bring disruptive intelligence and efficiency to the lending space.

With enhanced loan management, servicing, risk analytics and a configurable customer journey, Biz2X is helping banks run their lending operations at scale.

At Biz2X, we are committed to bringing automation and superior client experience to business lending.

Our Products


provides an end-to-end solution to enhance the customizable lending experience for small and mid-size businesses with automation and analytics.

NBFC in a box

is a Modular Digital Lending suite starting from sourcing and covering underwriting and loan management.

Biz2X Loan Management System

is an advanced API-based platform for Loan management, Servicing, and Collections.

Biz2X Collections Management Suite

helps organizations to manage bad loans effectively through a comprehensive platform

Biz2X – A digital lending technology platform powered by AWS

Biz2x Platform uses microservices architecture, AWS Elastic Kubernetes Service manages the availability and auto scalability of these micro-services containers.

Advanced Data Analytics capabilities are integrated with in product, leveraging AWS services RDS, GLUE, SageMaker, DMS, MSK Connect plus Redshift for Real time data warehouse.

Specific product Services are on serverless framework hosted on AWS Lambda and Lambda is aiding required concurrency while processing and exposed via AW API Gateway.

Data storage is in client specific geography. Storage i.e., AWS S3, EFS, EBS is permanently versioned, secured and encrypted with provisioned IOPs and throughput allocated to each storage for enhanced response time and no latency.

Data is continuously backed up via AWS backup service facilitating Point in Time Restoration and daily and continuous backups.

Security – Biz2x is a kind of First Digital bank on cloud, For secure cloud operations integrated services are Security Hub, AWS Guardduty, Inspecter, AWS Macie, AWS Detective. AWS Config, AWS SSM are cohesive within Biz2x.

Extreme logging is enabled and each request / transactions/ user actions/ or any other action is written and saved in log files and logs are continuality streamed to CloudWatch and anomaly detectors are placed on streaming logs

Advanced monitors are additional, providing with live product health Dashboards with help of monitoring tools i.e. AWS CloudWatch, Logs Insights, Containers Insights, and monitoring tools like FluentD , Site24*7 , Graphana , Prometheus are part of Biz2x build.

For Ensuring 100% availability Product is hosted in AWS multiple availability zones and have capabilities of Horizonal, Vertical and Database scaling

Data at rest is encrypted by AWS KMS AES 256-bit keys and with option that client can bring us their own encryption key , Data in transit is encrypted via SSL/TLS 1.2 or later. Each incoming request is screened via AWS WAF.

AWS Technology stacks that we work on

Networking & Content Delivery

  • VPC
  • CloudFront
  • Route 53
  • API Gateway
  • Simple Email Service
  • Entrust

Compute & Containers

  • EC2
  • Lambda
  • Docker
  • Elastic Kubernetes Service


  • S3
  • EBS
  • EFS
  • AWS Backup

Database, Analytics, Reporting & e-Marketing 

  • NoSql - DocumentDB, MongoDB
  • SQL – RDS: MySQL, PostgreSQL
  • ElasticCache
  • Redshift
  • DMS (Data Migration Service)
  • Glue
  • OpenSearch
  • PowerBi
  • SendGrid 
  • Ongage 

Management & Governance

  • AWS Organizations
  • CloudWatch- Logs Insight, Container Insights, Personal Health Dashboard, Alerting (Call and SMS)
  • AWS Auto Scaling
  • Config
  • Systems Manager
  • Trusted Advisor
  • AWS Well-Architected Tool
  • CloudTrail
  • Site 24*7

Security, Identity & Compliance

  • Secrets Manager
  • GuardDuty
  • Amazon Inspector
  • Amazon Macie
  • IAM Identity Centre (Single Sign-On)
  • Certificate Manager
  • Key Management Service
  • Security Hub
  • Detective
  • AWS Audit Manager
  • Imperva Web Application Firewall


  • GitLab
  • Jenkins
  • Ansible
  • Helm
  • Elastic Container Registry
  • CloudFormation

Machine Learning

  • Amazon Textract
  • Amazon Transcribe 
  • Amazon CodeGuru
  • Amazon DevOps Guru 

ServerSide Technologies

  • NodeJS​
  • PHP​
  • Python​
  • React​ Js
  • Angular​Js
  • Express Js

Application Integration​

  • Simple Notification Service
  • Simple Queue Service​

Operating System

  • Hardened Amazon Linux2

Why Biz2X?

  • Low Code Platform: Helping reduce the vendor reliance for ongoing maintenance and change management, thereby reducing time to market and reducing the overall TCO for our Customers.
  • Omni-Channel: User friendly application origination to handle mobile, desktop, or in-branch.
  • Deployment Flexibility: Can be deployed and commercially offered in multiple modes – from a complete SaaS based model (on any Industry Cloud), to hybrid deployment model.
  • Risk Analytics: Customizable scorecards to enhance assessment including industry-based risk, cash flow analysis, & monitoring.
  • Open Platform: Built-in 3rd party data integrations to support multiple product types – Fully India Ready.
  • Faster Go-Live: Can be up and running in 90-120 days, this also is true for changes in the Systems post go-live.
  • Bank Grade Security: We are SOC2 & ISO 27001 certified and have passed rigorous audits.
  • Pre-Built API: Pre-Built API connections to a wide variety of API’s – Support for AA, Global Stack, Bureau etc.
  • Industry-wide Coverage: Wide variety of lending products coverage from Retail to SME to Business on the same platform.

Our customers

Featured Case Studies

Discover why so many banks and financial institutions have made the move to Biz2X

Biz2Credit brought the capabilities, the platform, the experience as a leadership team, and was able to understand what we needed to serve the small business space.
Jeff Brown Head of Business Banking
Australian Finance Group
Working with Biz2Credit has been one of collaboration, understanding, and commitment. It’s been a fantastic journery and I would highly recommend entering into a relationship with them.
Malcom Watkins Executive Director
Popular Bank
It’s a streamlined process, where the customers can actually go online and upload documents, complete the information. The system is intelligent.
Manuel Chinea COO

Get a demo: See Biz2X in action

Connect with a funding platform specialist for a customized demo of Biz2X for your bank or financial institution. Schedule one-on-one time, or bring your colleagues.