What AND Solutions Pte. Ltd., does

AND Solutions Pte. Ltd. is a Singapore-incorporated B2B fintech software vendor and wholly-owned subsidiary of Mongolian holding group AND Global, founded in 2021 to commercialize the group's lending and credit-scoring technology across Asian markets outside Mongolia. The company sells an integrated platform to financial institutions covering the full lending lifecycle: Looms, an end-to-end loan origination and management system with a BPM workflow engine and a product configuration layer supporting 170+ loan product variants; Mindox, an AI-powered Intelligent Document Processing (IDP) module handling omnichannel intake of bank statements, payslips, IDs, invoices, and other financial documents; Niko, a no-code AutoML platform for building credit scoring models; plus a Scorecard Builder, a Custom AI Scoring module, a Document Management System, and an Omnichannel engagement layer that connects WhatsApp, Viber, Messenger, and email through an LLM-powered assistant. The technology stack is API-first, ISO/IEC 27001:2022 certified, GDPR-aligned, and distributed through direct enterprise sales alongside Microsoft Azure Marketplace listings.

The company serves banks, non-bank financial companies, and digital lenders across at least 11 countries including the Philippines, Mongolia, Vietnam, Thailand, Indonesia, Cambodia, Japan, and Australia, with named customers such as VPBank, AEON Thana Sinsap, TRBank, Esquire Financing Inc., LendMN, PT Ion Credit Service, and Global Trust Networks. Revenue is generated through enterprise SaaS subscriptions on an annual billing cadence with quote-based, consultative pricing; no public price list exists. Distribution combines direct enterprise sales, channel partnerships with Microsoft, SC Ventures, and IFC-backed networks, and Azure Marketplace self-service. Customer outcomes disclosed include 100% automated credit decisioning in 3 minutes at LendMN, a reduction in bank-statement processing from 4 hours to approximately 1 minute at TRBank, and 100,000 daily disbursements plus 1.3 million daily active users at one digital-first fintech deployment.

The company is privately held with no public ticker. Its parent AND Global raised a $21.4 million Series B in 2025 co-led by IFC (International Finance Corporation) and AEON Financial Service, with prior backers including Marubeni, Techstars, SC Ventures, and Light Foundations Capital. Headcount is reported in the 11-50 band, with operations headquartered at 160 Robinson Road, Singapore, and a registered office at Marina One East Tower, Singapore.

Name

AND Solutions Pte. Ltd.,

Legal name

AND Solutions Pte. Ltd.

Website

https://andsolutions.net

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

AND Solutions Pte. Ltd. is a Singapore-based B2B fintech software vendor that sells an integrated AI-powered lending, document processing, and credit decisioning platform to banks, NBFCs, and fintechs across 11-plus Asian markets, operating as the international subsidiary of Mongolian holding group AND Global.

Ownership category

akta.pro rank

Product category

Lending Automation / Fintech Software Platform

NAICS

Software Publishers (5132), Software Publishers (513210), Custom Computer Programming Services (541511)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro primary industry

Underwriting Automation & Income/Employment Verification (FSAGAHAD)

akta.pro secondary industries

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Lending automation software
• AI credit scoring
• Intelligent document processing
• Loan origination system
• Fintech platform

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS/Platform Licensing: AND Solutions operates on a SaaS/platform licensing model, providing access to its lending, document processing, and credit scoring platforms on a subscription basis. The company offers customizable solutions for financial institutions, suggesting enterprise licensing agreements with per-seat or tiered pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

AND Solutions sells an end-to-end AI-powered lending automation platform to financial institutions, bundling a loan origination and management system (Looms), intelligent document processing (Mindox), no-code AutoML credit scoring (Niko, Scorecard Builder, Custom AI Scoring), a document management system (DMS), and an omnichannel customer-engagement layer. The platform supports 170+ loan configurations and is sold as SaaS/enterprise licensing to banks, NBFCs, and fintechs across Southeast Asia and beyond.

Product overview

AND Solutions offers a modular platform of lending, document intelligence, and credit decisioning products. The core platform consists of Looms (an end-to-end loan origination and management system with a BPM workflow engine and product configuration engine), Mindox (AI-powered Intelligent Document Processing for omnichannel document intake and extraction), and Niko (no-code AutoML for predictive model building). These are augmented by Scorecard Builder (no-code rule-based scoring), Custom AI Scoring (customizable AI/ML credit models), DMS (centralized document management with audit trails), and Omnichannel (multi-channel data collection with an LLM-powered AI assistant). The company also offers a Link API for financial data access. The platform targets financial institutions (banks, NBFCs, fintechs) across Southeast Asia and operates across 11 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Mindox: AI-powered Intelligent Document Processing (IDP) platform for extracting, validating, and automating document workflows.
• Looms
• Niko
• Scorecard Builder
• DMS
• Omnichannel

Products and services

• Looms (Loan Origination & Management System) End-to-end loan origination and management system (LOS/LMS) that automates the full lending lifecycle — onboarding, KYC, origination, management, collections — using a BPM-powered workflow engine supporting 170+ loan configurations, with go-live achievable in ~4 weeks; built for banks, NBFCs, and fintechs.
• Mindox (Intelligent Document Processing) AI-powered Intelligent Document Processing (IDP) platform that extracts, validates, and structures data from bank statements, payslips, invoices, government IDs, insurance claims, bills of lading, and more, with omnichannel intake via email, chat, CRM, and other channels; targets financial institutions, insurers, logistics providers, and other document-heavy operators.
• Niko (No-code AutoML Platform) No-code AutoML platform that enables non-technical users to build, train, and deploy AI/ML credit scoring and predictive models without writing code; part of AND Solutions' AI-powered credit scoring suite for banks, NBFCs, and fintechs.
• Scorecard Builder No-code rule-based credit scoring tool that lets credit teams create, test, and launch custom scorecards using a drag-and-drop builder with full attribute control, instant preview/testing, and direct API connectivity to lending workflows; designed for banks, NBFCs, and fintechs.
• Custom AI Scoring Customizable AI/ML-powered credit scoring solution that lets lenders design and deploy risk models reflecting their own policies, risk appetite, and borrower profiles, with configurable attributes, retraining on historical and live data, and API deployment into LOS and decisioning workflows.
• DMS (Document Management System) Centralized document management system that captures, classifies, and stores every file from KYC to final discharge letter, with advanced search, role-based access management, AES-256 encryption, TLS 1.3, real-time audit trails, and ISO 27001-certified infrastructure; connects via API to CRM, ERP, LOS, core banking, and collection systems.
• Omnichannel (Multi-Channel Data Collection) Multi-channel data collection platform that consolidates customer communication, document intake, and workflow automation across WhatsApp, Viber, Facebook Messenger, and email, with an LLM-powered AI assistant for guided conversations and next-best-action recommendations.
• Link API API product that allows authorized third-party service providers to access user financial data with user consent, retrieving financial data from data provider services through user-provided credentials and returning a structured summary of financial information.

Quantifiable outcome

• 500x faster processing — from hours to under a minute (rural bank)
• +6 more outcomes

Named customers13 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability9 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SC Ventures (Standard Chartered)coreStrategic or Co-development Partner · 1 January 2021SC Ventures (the innovation and ventures arm of Standard Chartered) partnered with AND Solutions and Oasis for strategic collaboration on fintech innovation in Southeast Asia.
• MicrosoftcoreTechnology or IntegrationAND Solutions partnered with Microsoft to deploy AI solutions across APAC. Mindox achieved Microsoft Azure IP Co-Sell status and is available on Azure Marketplace. Looms and DMS are also listed on Azure Marketplace. Joint events hosted with Microsoft Philippines exploring the future of AI in financial services.
• TechstarsminorStrategic or Co-development PartnerTechstars is listed as an industry backer and supporter of AND Solutions, providing startup ecosystem support and network access.
• Toyota Financial Services VietnamminorImplementation/ SI/ Consulting PartnerAND Solutions began collaboration with Toyota Financial Services Vietnam, marking its first AI expertise delivery in custom scoring solutions for the Vietnamese market in 2023.
• Stellapps (India)minorStrategic or Co-development PartnerStellapps, an Indian fintech company, signed a key partnership with AND Solutions in 2023.
• PT Ion Credit Service IndonesiaminorImplementation/ SI/ Consulting PartnerAND Solutions deployed AI-powered custom credit scoring for PT Ion Credit Service Indonesia, demonstrating regional applicability of its technology in the Indonesian market.

Scale indicators11 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Mambu: Mambu provides a composable cloud banking and loan origination platform to banks, NBFCs, and fintechs globally. Highly comparable to AND Solutions' Looms LOS targeting emerging-market lenders with configurable lending products.
• Scienaptic AI: Scienaptic AI provides AI-powered credit decisioning and lending intelligence to financial institutions. Directly comparable to AND Solutions' Niko AutoML and Custom AI Scoring products in serving bank and NBFC underwriting workflows.
• Zest AI: Zest AI builds machine-learning credit underwriting software for lenders, focused on approving more thin-file borrowers. Closely comparable to AND Solutions' AI-driven credit scoring and thin-file MSME lending value proposition.
• TurnKey Lender: TurnKey Lender offers an end-to-end loan origination and management platform with AI-driven credit decisioning. Comparable to AND Solutions' Looms LOS + Custom AI Scoring stack for SMB and consumer lenders.
• HES Loan Origination Software: HES provides a lending automation platform used by banks, credit unions, and fintechs for consumer and SMB lending. Comparable modular LOS + decisioning offering to AND Solutions' Looms and Niko.

Broad incumbents

• nCino: nCino offers a cloud banking platform with built-in loan origination and onboarding workflow automation for financial institutions. Overlaps with AND Solutions' LOS and omnichannel capabilities but at much larger scale and broader scope.
• Temenos: Temenos is a large incumbent core-banking and lending software vendor serving global banks. Its lending modules compete with AND Solutions' Looms, particularly at Tier 1/2 banks exploring digital lending modernization.
• FIS: FIS provides large-scale banking, lending, and capital markets software to financial institutions worldwide. Its loan origination and account processing suites overlap with AND Solutions' LOS offering at the incumbent end of the market.

Regional players

• Roostify: Roostify offers a digital lending platform primarily for US mortgage and home-equity lenders. Comparable in product architecture (LOS with document automation) but does not directly compete with AND Solutions' SEA focus.
• Blend: Blend provides a consumer lending and banking workflow platform primarily serving US financial institutions. Comparable in offering a configurable lending platform with document automation, though geographically concentrated in North America.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/and-solutions
• Facebookfacebook.com/andsolutionspte

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AND Solutions Pte. Ltd.,