Powering Smarter Lending from End to End
DCAP is a full-stack Lending-as-a-Service (LaaS) platform built for modern lenders. From origination to scoring, disbursement to collections — even repossession — we handle the heavy lifting so you can launch faster, scale smarter, and stay compliant.
For Financiers
Expand Your Reach to Quality Borrowers
DCAP offers an ecosystem for financiers to deploy capital into high-quality, pre-vetted borrowers. We provide the infrastructure—AI-powered credit scoring, end-to-end fund traceability, and built-in risk controls—so you can invest with confidence, meet ESG goals, and scale your impact in underserved markets.
* dcap is a B2B2C Lending-as-a-Service Platform. We do not provide direct financing services.
For Dealers
Digitize Your Dealership & Drive More Sales.
DCAP gives you a full-stack Lending Management System for screening, approvals, collections, and repossessions — all in one platform. SalesBot AI helps you capture and convert more leads with instant replies and automated follow-ups, so you sell more with less effort.
* dcap is a B2B2C Lending-as-a-Service Platform. We do not provide direct financing services.
For Customers
Inclusive, Fair Lending for All
Rebuilding financial access from the ground up — with transparency, dignity, and opportunity for underserved communities. Empowering responsible credit — not predatory practices.
* dcap is a B2B2C Lending-as-a-Service Platform. We do not provide direct financing services.
Bringing Fair Financing to Underserved Communities — One Partner at a Time
DCAP’s AI-powered B2B2C Lending-as-a-Service (LaaS) platform helps our financing partners confidently reach underserved markets.
By combining inclusive credit models with deep risk expertise, we enable smarter, fairer lending decisions at scale. Our data-driven, end-to-end credit engine strengthens partner growth while upholding ESG values — creating a future where more people can own, build, and thrive.
Our Solutions
Explore our suite of apps powering smarter, faster financing.
Lending-as-a-Service Platform
From origination to collections, DCAP manages your financing portfolio under your brand. Our technology, operations, and compliance infrastructure lets you focus on growing your business while we handle the rest.
DCAP Mobile App
Your financing journey, simplified. Track financing, get real-time updates, and stay in control — right from your phone!
dRepo - Repossession Platform
Empowering financiers and repo agents with a seamless, efficient, and transparent bike repossession process.
dFlow SaaS - Financing Management System
A robust financing management system designed to empower financiers to manage their portfolios independently.
dCRM - Financing CRM
A dedicated CRM solution tailored for financiers to manage customer interactions, track leads, and enhance customer satisfaction.
dVoice - Salesbot & Voicebot
Leverage AI-powered voice and chat solutions to enhance customer interactions and boost sales efficiency.
More solutions are in the pipeline. Stay tuned for updates!
Check out Our Latest Updates & Press Releases
As Featured In
“DCAP’s proprietary technology offers a transformative solution to an underserved market.”
— Jamaludin Bujang, Gobi Partners
“DCAP addresses the financial needs of the underbanked, boosting social mobility and strengthening economic resilience."
— Sonia Ng, Co-founder & CEO