Vivriti Capital Launches VivFlo, a 24/7 tech-enabled loan access platform for Co-lending

Access loans anytime, ensuring quick financial support without traditional office hour limitations.

Streamline the loan process with automated KYC, Bureau, Bank verification, and e-signing, reducing turnaround times significantly.

Connect with over 30 co-lending partners for a robust platform that supports various asset types and lending models

Chennai, India – May 15, 2025: Vivriti Capital, a prominent tech-enabled mid-market NBFC, announces the launch of VivFlo, an innovative technology platform designed to empower mid-market companies with comprehensive APIs, rapid loan approvals, 24/7 disbursement and seamless reconciliations. This state-of-the-art solution is set to transform the lending landscape by providing businesses with quick and efficient access to credit via bringing multiple co-lending partners of Vivriti Capital on a common platform.

Solutions offered by VivFlo to Originators / LSPs / NBFCs:

• Ease of Use: VivFlo is tailored to meet the diverse needs of retail fintech and lenders, offering fully digital and flexible integrations. The platform features customisable workflows that accommodate various asset t
• Time-Saving Automation: With VivFlo, businesses can benefit from fully automated pre-disbursal checks, including KYC, credit bureau data, bank verification, and e-signing. This automation not only saves valuable time but also significantly reduces manual errors. The platform’s round-the-clock disbursal capabilities allow transactions to be completed outside traditional office hours, improving overall efficiency.
• Scalability and Flexibility: VivFlo integrates seamlessly with Vivriti’s extensive network of 30+ co-lending partners, creating a robust platform for users. It supports more than 10 asset types, over 3 disbursement methods, and various financial operations, like applicable interest rate calculation methods (12+), foreclosure conditions (5+), providing unparalleled flexibility for originators to choose as per their need.
• Cost-Effective Compliance and Risk Management: The platform incorporates automated compliance checks, minimising regulatory risks while streamlining operations. Future enhancements utilizing AI will further reduce manual interventions and improve risk detection capabilities.
• Future-Proof Solution:Designed with continuous enhancements in mind, VivFlo will integrate AI-driven smart features to keep users ahead in an evolving financial landscape. Strengthened compliance measures and smarter risk management tools will ensure sustainability and peace of mind for all stakeholders involved.

Comprehensive Solutions Offered by VivFlo

1. Ease of Use & Flexible Orchestration

VivFlo is highly customized to natively map onto the operational realities of active retail fintech platforms and corporate lenders[cite: 88]. By featuring modular, customisable workflow layouts, it ensures integrations can align perfectly with the individualized business strategies or criteria required by each corporate client[cite: 89].

2. Technical Scale, Configuration, and Metrics

The technology layer eliminates manual dependency bottlenecks by incorporating extensive configuration choices[cite: 91, 94]. Originators have unparalleled freedom to select their preferred infrastructure layouts, spanning[cite: 94]:

• 12+ Interest Rate Calculation Methods: Granular variations to match unique transaction structures[cite: 94].
• 5+ Foreclosure Conditions: Built-in flexibility for dynamic payoff scenarios[cite: 94].
• Turnaround Acceleration: Tech orchestration slashes integration periods from weeks down to days, while reducing individual application processing times from standard hours to mere seconds[cite: 102].

3. Cost-Effective Compliance & Future-Proof Risk Management

The application houses real-time compliance validation frameworks, helping minimize regulatory exposure risk while keeping backend administrative cost structures lean[cite: 98]. Continuous, future-proof feature roadmaps are planned to inject advanced AI-driven smart capabilities into the platform[cite: 99, 100]. These integrations will further drop manual intervention dependencies, identify risk thresholds early, and strengthen long-term sustainability metrics[cite: 99, 101].

On the launch of the application, Mohan Sushantam, Chief Products & Data Officer of Vivriti Capital, emphasized the transformative impact of VivFlo on the co-lending ecosystem: “VivFlo is designed to streamline partner integrations, loan disbursements, and data management significantly. By leveraging technology, we can reduce integration turnaround times from weeks to days, and processing timelines from hours to seconds. This means partners would have the benefit of tightly coupled integrations and rapid deployment, to ensure near instantaneous access to funds on a daily basis. Moreover, our commitment to security ensures that all transactions are protected through robust encryption and compliance protocols.”

About Vivriti Capital

Vivriti Group comprises Vivriti Capital Ltd., a fintech NBFC, and Vivriti Asset Management Pvt. Ltd., an asset manager of fixed-income AIF schemes[cite: 105, 106]. Over the last 7.5+ years, the Group has built a highly successful franchise, commanding a portfolio of INR 13,000+ Cr and serving over 495 clients across 50+ sectors and 20+ states[cite: 106]. The platform has successfully secured INR 1,400 Cr of equity capital funding since inception while continuing to maintain industry-leading asset quality and return metrics.

For more details, visit www.vivriticapital.com.

Media Contacts

Resham Chhabra
Head - Marketing & Communications
Phone: 9886190306
Email: Resham.Chhabra@vivriticapital.com [cite: 110, 111, 112]