Stand it up
Agents wire underwriting to your bureau and alt-data, set pricing, and turn on disbursal and collections.
About Lokta
The team behind Apache Fineract and Finflux — now building Lokta.
The AI-native lending stack. What we'd build if we started today.
Our track record
We built the rails the industry runs on.
- $500B+ Cumulative loan principal
- 65M+ Borrowers reached
- 70 Countries
Aggregate impact attributed to the Mifos / Apache Fineract ecosystem, not Lokta directly.
Why we started over
A decade in, we knew exactly what we'd rebuild.
A decade across Fineract and Finflux showed us where every lender bleeds: credit policy that goes stale the day it ships, underwriting that scales with headcount, ops cost that climbs with the book.
Lokta is what we'd build if we started today — AI-native from the ground up, with the lending operation on autopilot.
What Lokta does
Lending on autopilot — run end to end.
Tell us your product and risk appetite. Agents stand up the operation — underwriting, pricing, disbursal, collections.
It sharpens itself
Every application, repayment, and recovery feeds a richer borrower model. The book sharpens itself the more it lends.
Profit per rupee disbursed
Agents test hundreds of underwriting rules in the time a risk team ships one — and promote the winners automatically.
Deterministic Core
The system of record cannot guess. Disbursals, interest, fees, postings, and compliance are computed the same way every time — predictable outcomes with full audit trails.
- Zero-surprise computation
- Audit-ready, regulator-grade
Workflow & Agentic AI
With the core reliable, agents drive speed — handling exceptions, follow-ups, and policy tests inside guardrails. Humans stay in control where it matters.
- Orchestration across teams and systems
- Guardrails, approvals, and action logs
The core keeps the math honest; the agents move policy faster. The metric is the one lenders have always cared about — profit per rupee disbursed.
Where credit is going
Today: lending operations. Tomorrow: programmable credit.
Lokta runs lending for fintechs and NBFCs — agents stand up the operation, the book sharpens itself, the lender focuses on growth.
As credit becomes programmable and agent-mediated, Lokta is the layer underneath that decides, prices, and disburses in real time.
Meet the team
The people who built the rails.
