From Repayment to Reintegration - Fresh Credit with Dignity

Resolution isn’t the finish line, it’s the gateway back to credit. Integro provides fresh loans (avg. ₹1 lakh) to verified borrowers who have fully repaid their dues.

The Challenge- for Borrowers

For borrowers, debt challenges extend far beyond repayment. Lasting credit scars and systemic barriers limit financial recovery and access to opportunities.

• Permanent Scars for Borrowers – Even after full repayment, individuals remain tagged as “high-risk,” limiting their ability to access future credit.

• The Debt Spiral – Stigmatized borrowers often turn to predatory lenders, trapping themselves in deeper cycles of debt.

• Stifled Financial Re-entry – Systemic barriers prevent many from rebuilding credit and re-entering the formal financial system.

• Persistent Exclusion – Despite ongoing reforms, millions remain unbanked, highlighting gaps in true financial inclusion.

Our Tech Stack

Legal Management System (LMS)

Automates case flow and ensures real-time updates

Geo-tagged Mobile App

Facilitates ID verification, field visit tracking, and photographic evidence

AI/ML Segmentation

Classifies borrowers by litigation likelihood for targeted recovery strategies

Dashboards for Investor/Lender Reporting

Delivers transparent, real-time insights with structured dashboards

Integro transforms repayment into a fresh start — restoring credit, unlocking new loans, and breaking borrowers free from the debt trap.

IMPACT

• Restores borrower credit scores.

• Prevents relapse into predatory lending.

• Aligns financial inclusion with profitable lending.

DIFFERENTIATORS

• Zero CAC: Borrowers already engaged via recovery pipeline.

• Pre-Verified Profiles: Repayment history, geo-tagged validation, and financial checks.

• Proven Track Record: 23,000+ fully repaid borrowers reinstated into formal banking.

• Digital Flow: Seamless disbursal via tech-enabled platforms.