Seamless loan integration for your business
Seamless loan integration for your business
Seamless loan integration for your business
240M
App downloads
48
Countries
888
Cities
Contact us
48
Countries
240M
App downloads
888
Cities
Contact us
About integration
Our system connects lenders and mobility platform for seamless loan distribution
Your backend
Your backend
[ 3 ] marketing
[ 1 ] drivers and trips
[ 2 ] offers and score
[ 10 ] notify repayment with ride
[ 11 ] notify direct payment
Driver stats service
Loan state service
Origination service
Loan state service
[ 4 ] start origination
[ 8 ] origination failed or finished
[ 5 ] identify and score
[ 6 ] notify loan status
[ 9 ] show loan info
[ 7 ] sync loan status
How it works
End-to-end loan integration
[ 1 ] inDrive → Your backend
Send drivers
& trips data
We send anonymized .CSV files with driver details and their daily trip history. This allows you to assess loan eligibility based on real earnings data
driver.csv
id,country,city,car_brand,car_model,car_year,device_model,age
00000000-0000-0000-1f3d-5ec920df1ad6,Indonesia,Wonosobo,Toyota,Avanza,2014,Infinix-X6812B Infinix Infinix X6812B,54
trips.csv
driver_id,order_id,order_amount_cents,order_fee_cents,city,order_start,order_end,currency_code,cents_multiplier
00000000-0000-0000-1f3d-5ec920df1ad6,1658229a-052b-4747-ab26-d8bfc1d4eb1c,14000000,1400000,Wonosobo,2024-10-26 12:50:35 +0000 UTC,2024-10-26 13:18:44 +0000 UTC,IDR,100
[ 3 ] inDrive
Marketing
We display loan offers as banners inside our platform using different options
[ 5 ] inDrive → Your backend
Client identification
& final scoring
The driver provides consent, personal data is
de-anonymized, and we send you their full KYC details for final scoring and contract signing
[ 6 ] Your backend → inDrive
Loan status updates
Once a loan is fully repaid, you send us a status update via API
[ 8 ] inDrive
Origination status updates
If origination fails or requires resubmission, you notify us with corresponding API events
[ 9 ] inDrive
Loan info
We provide an intuitive UI to display loan details, including terms and repayment status
[ 10 ] inDrive → Your backend
Notify collection
As the driver continues working, we deduct repayments from their trip earnings and send you detailed records
example
{
"contract_id": "01942ca6-5463-7c07-a637-598daa938ae3",
"transaction": {
"id": "01942ca6-5463-7c07-a637-598daa938ae3",
"amount": {
"amount": "182.71",
"currency_code": "BRL"
},
"charged_at": "2024-12-31T06:10:12.876Z",
"metadata": {}
}
}
[ 7 ] inDrive → Your backend
Loan sync & tracking
You provide an API for us to fetch detailed loan data and display it in the driver’s profile
example
{
"id": "01942ca6-5463-7c07-a637-598daa938ae3",
"user_id": "01942ca6-5463-7c07-a637-598daa938ae3",
"total_amount": "182.71",
"disbursed_amount": "182.71",
"paid_total_amount": "182.71",
"status": "pending",
"currency_code": "BRL",
"start_date": "2024-12-31T06:10:12.876Z",
"due_date": "2024-12-31T06:10:12.876Z",
"offer": {
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"disbursed_amount": "1000",
"total_amount": "1385.34",
"comission": "1385.34",
"term": {
"days": 29,
"months": 2
},
"repayment_rate": "0.1",
"minimum_payment": "466.968",
"annual_CET": "268.32016",
"monthly_CET": "11.47705"
}
[ 4 ] inDrive
Start origination
A landing page is shown to the driver with an agreement button. We offer flexible customization options for loan origination flows
[ 2 ] Your backend → inDrive
Scoring & offer generation
Once you receive the data, you process it to evaluate driver creditworthiness. You then send loan offers back to us via API
example
{
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"driver_id": "42115273-afb2-40ff-bece-416ab5454135",
"offer": {
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"disbursed_amount": "1000",
"total_amount": "1385.34",
"comission": "1385.34",
"term": {
"days": 29,
"months": 2
},
"repayment_rate": "0.1",
"minimum_payment": "466.968",
"annual_CET": "268.32016",
"monthly_CET": "11.47705"
},
"status": "active",
"expiration": "2024-12-31T06:10:12.876Z",
"currency_code": "BRL"
}
How it works
End-to-end loan integration
[ 1 ] inDrive → Your backend
Send drivers & trips data
We send anonymized .CSV files with driver details and their daily trip history. This allows you to assess loan eligibility based on real earnings data
driver.csv
id,country,city,car_brand,car_model,car_year,device_model,age
00000000-0000-0000-1f3d-5ec920df1ad6,Indonesia,Wonosobo,Toyota,Avanza,2014,Infinix-X6812B Infinix Infinix X6812B,54
trips.csv
driver_id,order_id,order_amount_cents,order_fee_cents,city,order_start,order_end,currency_code,cents_multiplier
00000000-0000-0000-1f3d-5ec920df1ad6,1658229a-052b-4747-ab26-d8bfc1d4eb1c,14000000,1400000,Wonosobo,2024-10-26 12:50:35 +0000 UTC,2024-10-26 13:18:44 +0000 UTC,IDR,100
[ 3 ] inDrive
Marketing
We display loan offers as banners inside our platform using different options
[ 5 ] inDrive → Your backend
Client identification
& final scoring
The driver provides consent, personal data is de-anonymized, and we send you their full KYC details for final scoring and contract signing
[ 6 ] Your backend → inDrive
Loan status updates
Once a loan is fully repaid, you send us a status update via API
[ 8 ] inDrive
Origination status updates
If origination fails or requires resubmission, you notify us with corresponding API events
[ 9 ] inDrive
Loan info
We provide an intuitive UI to display loan details, including terms and repayment status
[ 10 ] inDrive → Your backend
Notify collection
As the driver continues working, we deduct repayments from their trip earnings and send you detailed records
example
{
"contract_id": "01942ca6-5463-7c07-a637-598daa938ae3",
"transaction": {
"id": "01942ca6-5463-7c07-a637-598daa938ae3",
"amount": {
"amount": "182.71",
"currency_code": "BRL"
},
"charged_at": "2024-12-31T06:10:12.876Z",
"metadata": {}
}
}
[ 7 ] inDrive → Your backend
Loan sync & tracking
You provide an API for us to fetch detailed loan data and display it in the driver’s profile
example
{
"id": "01942ca6-5463-7c07-a637-598daa938ae3",
"user_id": "01942ca6-5463-7c07-a637-598daa938ae3",
"total_amount": "182.71",
"disbursed_amount": "182.71",
"paid_total_amount": "182.71",
"status": "pending",
"currency_code": "BRL",
"start_date": "2024-12-31T06:10:12.876Z",
"due_date": "2024-12-31T06:10:12.876Z",
"offer": {
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"disbursed_amount": "1000",
"total_amount": "1385.34",
"comission": "1385.34",
"term": {
"days": 29,
"months": 2
},
"repayment_rate": "0.1",
"minimum_payment": "466.968",
"annual_CET": "268.32016",
"monthly_CET": "11.47705"
}
[ 4 ] inDrive
Start origination
A landing page is shown to the driver with an agreement button. We offer flexible customization options for loan origination flows
[ 2 ] Your backend → inDrive
Scoring & offer generation
Once you receive the data, you process it to evaluate driver creditworthiness. You then send loan offers back to us via API
example
{
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"driver_id": "42115273-afb2-40ff-bece-416ab5454135",
"offer": {
"id": "184b01c7-e014-4656-aa8a-f167eaf2b40c",
"disbursed_amount": "1000",
"total_amount": "1385.34",
"comission": "1385.34",
"term": {
"days": 29,
"months": 2
},
"repayment_rate": "0.1",
"minimum_payment": "466.968",
"annual_CET": "268.32016",
"monthly_CET": "11.47705"
},
"status": "active",
"expiration": "2024-12-31T06:10:12.876Z",
"currency_code": "BRL"
}
Origination flow
Origination flow
Flexible and configurable origination
Flexible and configurable origination
We provide a ready-made origination process that adapts to your needs. Each step is modular, so you can customize the flow while keeping it simple for users
We provide a ready-made origination process that adapts to your needs. Each step is modular, so you can customize the flow while keeping it simple for users
Integration
Integration
Helping drivers repay on time
Helping drivers repay on time
Driver takes a trip
Driver takes a trip
After each trip, we deduct a fixed percentage for loan repayment
Low balance alert
Low balance alert
If earnings aren’t enough for repayment, drivers receive a warning and next steps
Weekly payouts
Weekly payouts
Once a week, we transfer all collected repayments to the lending partner
Once a week, we transfer all collected repayments to the lending partner
Automatic deduction
Automatic deduction
Automatic deduction
A fixed percentage is deducted automatically, reducing the loan balance
Repayment tracking
Repayment tracking
Drivers can track repayments in a dashboard with daily, weekly, and total summaries
Our values
Our values
Empowering drivers through fair finance
Empowering drivers through fair finance
We make finance fair and accessible for drivers. No hidden fees, no surprises—just clear terms and full control over earnings.
We make finance fair and accessible for drivers. No hidden fees, no surprises—just clear terms and full control over earnings
Join us in building financial security for drivers
Join us in building financial security for drivers
Erken Kichibaev
Erken Kichibaev
Senior Business Developer
Senior Business Developer
Alexander Karpin
Alexander Karpin
Lead Product Manager
Lead Product Manager
Sofia Novozhilova
Sofia Novozhilova
Engineering Manager
Engineering Manager
Vlad Bender
Vlad Bender
Backend Engineer
Backend Engineer
Our team
Our team
People behind the product
People behind the product
Meet the team making loan integration seamless and efficient
Meet the team making loan integration seamless and efficient
Let’s build smarter lending together
Let’s build smarter lending together
Have any ideas or suggestions? We’d love to hear from you! Fill out the form or reach us at:
Have any ideas or suggestions? We’d love to hear from you! Fill out the form or reach us at:
