Bengal FinTech Micro-Lending Portal

Small retail business owners in Bangladesh frequently struggle with slow traditional bank loan approvals. Bengal Capital sought a secure web application that automated credit scoring and loan disbursement.

Swadeshi Soft built a banking-grade Next.js web application with:

• National ID (NID) verification integration

• Automated algorithmic credit scoring based on bank statement parsing

• Multi-signature approval workflow for loan officers

• End-to-end encrypted audit logging and database security

Results:

• Loan processing time reduced from 14 business days to under 48 hours

• Disbursed over ৳50 crore in small business micro-loans

• Zero security breaches or unauthorized access incidents