Developing a scalable payroll-integrated lending solution

Client profile
Client profile
Objective
Salarly aimed to develop a payroll-linked lending platform with seamless payroll provider integration for automatic repayments. The platform needed to be scalable, compliant, and capable of 15-minute loan approvals, minimizing operational risks.
By refining their MVP, Salarly sought to expand into new markets and provide a trusted alternative to payday loans, offering faster and more responsible access to credit.

Challenge
Streamlining Payroll-Linked Lending & Repayments
Seamless orchestration of Third-Party Services for instant loan processing
Scalable & Secure Payroll Integration Infrastructure
Managing cross-jurisdiction compliance
Engagement
Team Composition
- 5
Backend Developers
- 3
Frontend Developers
- 1
Project Manager
- 3
QA Specialists
- 1
UI / UX Designer
- 1
Business Analyst
9+
Months of engagement
Business Analysis & Information Gathering
The client set a business objective, and we took the initiative to ensure a fast and efficient MVP launch. Our team focused on deeply understanding Salarly’s business processes and market requirements to lay the groundwork for a scalable, compliant solution. We maintained close collaboration with the client through regular syncs, continuously refining requirements and enhancing project documentation.
Solution
We developed a scalable, fully automated lending platform that seamlessly integrates payroll-based loan processing with third-party compliance solutions. This solution directly addressed Salarly’s key business challenges by ensuring speed, regulatory compliance, employer adoption, and borrower trust. The platform is powered by 4 core engines.
Payroll-Integrated loan processing Web App
A user-friendly web application allowing borrowers to apply for loans, track progress, and make repayments via direct payroll deductions. Designed for speed, it ensures loan approvals within 2 hours.

Employer & Customer Portals
Employers can onboard staff quickly, manage payroll integration, and track repayment statuses, while borrowers gain full transparency over their loan management.

Admin Dashboard for Compliance & Risk Oversight
A role-based control panel for Salarly’s internal teams to oversee loan processing, monitor fraud risks, and manage automated compliance reporting - ensuring scalability and security.

Automated Risk Assessment Engine
Utilizing real-time payroll data, credit checks, and fraud detection algorithms, this engine streamlines risk evaluation, enabling fast, responsible lending without increasing default rates.
Core Engines
A user-friendly web application allowing borrowers to apply for loans, track progress, and make repayments via direct payroll deductions. Designed for speed, it ensures loan approvals within 2 hours.

Employers can onboard staff quickly, manage payroll integration, and track repayment statuses, while borrowers gain full transparency over their loan management.

A role-based control panel for Salarly’s internal teams to oversee loan processing, monitor fraud risks, and manage automated compliance reporting - ensuring scalability and security.

Utilizing real-time payroll data, credit checks, and fraud detection algorithms, this engine streamlines risk evaluation, enabling fast, responsible lending without increasing default rates.
Tech Stack and Architecture
Engagement Timeline
Payroll-integrated loan processing
The system seamlessly connects with external payroll systems to ensure automatic loan repayment deductions. This eliminates missed payments, reduces default risks, and provides lenders with a reliable repayment structure. Unlike traditional bank loans, payroll-linked deductions offer borrowers a hassle-free repayment process while promoting financial discipline.

Streamlined Loan Approvals
The platform automates loan approvals by using employment verification, payroll data analysis, and external credit checks to assess an applicant’s eligibility and risk profile. Employment verification confirms job status, income, and tenure directly from payroll data, ensuring accuracy and reducing fraud. This eliminates manual underwriting, speeds up approvals, and promotes responsible lending. Advanced algorithms evaluate financial factors to offer borrowers the most suitable loan terms.

SOC 2 Compliant Security
The platform is designed to meet strict regulatory and industry security standards with SOC 2 compliance in mind. All data is encrypted, access is secured through multi-factor authentication, and continuous monitoring addresses potential vulnerabilities. This ensures the safe handling of sensitive payroll and financial data.
Multi-Tier Admin Dashboard
A comprehensive, role-based admin dashboard provides varying levels of access for Salarly’s internal team, employer administrators, and financial analysts. Loan approvals, repayment tracking, and compliance monitoring are centralized in one intuitive interface. Administrators can manage employer accounts and generate detailed financial reports.

Third-party integrations
The system supports seamless integrations with external services through webhooks and API endpoints. This enables efficient data exchange with payroll providers, banks, and regulatory agencies, ensuring smooth workflows and accurate reporting.

Fraud Prevention, KYC & KYB
To ensure borrower authenticity and prevent fraud, the platform includes identity verification protocols for both individuals (KYC) and businesses (KYB). It detects synthetic identity fraud, income misrepresentation, and other anomalies using advanced machine learning algorithms that monitor repayment behaviors. Continuous checks ensure only eligible borrowers gain access to loans.
Fast disbursement options
From registration to fund disbursement, the entire process takes no more than 15 minutes. Once approved, the system initiates an ACH transfer to the user’s bank account, providing fast access to funds without the high fees charged by payday lenders.

Key Features
The system seamlessly connects with external payroll systems to ensure automatic loan repayment deductions. This eliminates missed payments, reduces default risks, and provides lenders with a reliable repayment structure. Unlike traditional bank loans, payroll-linked deductions offer borrowers a hassle-free repayment process while promoting financial discipline.

The platform automates loan approvals by using employment verification, payroll data analysis, and external credit checks to assess an applicant’s eligibility and risk profile. Employment verification confirms job status, income, and tenure directly from payroll data, ensuring accuracy and reducing fraud. This eliminates manual underwriting, speeds up approvals, and promotes responsible lending. Advanced algorithms evaluate financial factors to offer borrowers the most suitable loan terms.

The platform is designed to meet strict regulatory and industry security standards with SOC 2 compliance in mind. All data is encrypted, access is secured through multi-factor authentication, and continuous monitoring addresses potential vulnerabilities. This ensures the safe handling of sensitive payroll and financial data.
A comprehensive, role-based admin dashboard provides varying levels of access for Salarly’s internal team, employer administrators, and financial analysts. Loan approvals, repayment tracking, and compliance monitoring are centralized in one intuitive interface. Administrators can manage employer accounts and generate detailed financial reports.

The system supports seamless integrations with external services through webhooks and API endpoints. This enables efficient data exchange with payroll providers, banks, and regulatory agencies, ensuring smooth workflows and accurate reporting.

To ensure borrower authenticity and prevent fraud, the platform includes identity verification protocols for both individuals (KYC) and businesses (KYB). It detects synthetic identity fraud, income misrepresentation, and other anomalies using advanced machine learning algorithms that monitor repayment behaviors. Continuous checks ensure only eligible borrowers gain access to loans.
From registration to fund disbursement, the entire process takes no more than 15 minutes. Once approved, the system initiates an ACH transfer to the user’s bank account, providing fast access to funds without the high fees charged by payday lenders.

Results and Impact
15min
Approval time achieved
85%
Of users opted for automated payroll deductions, improving repayment rates and reducing manual processes
7+
Seamless integration enabled fully automated loan approvals
60%
Less past due payments compared to the market average
Optimized risk engine cut rates (vs. 400% market norm)
