Loan management software from application to closure
Originate, underwrite, disburse, service and collect loans on one platform, with a borrower app and a collections app for field agents, configured around your loan products.
Our loan management software gives NBFCs, microfinance institutions, credit unions, fintech lenders and businesses offering customer finance one system for the full loan lifecycle. Applications, credit decisions, agreements, disbursement, repayments and collections share the same data, so nothing is re-keyed between teams.
Every lender has its own products and rules, so the platform runs on configuration. You define interest methods, fees, tenures, repayment frequencies and approval levels, and the system calculates schedules, accruals and penalties accordingly, with an audit trail behind every change.
We build the software, while lending licenses and regulatory approvals remain with you. The workflows are built to support the disclosure, data and reporting rules your regulator sets, and you can subscribe, license the source code or commission a custom digital lending platform.
Everything you need to run it
Borrower app and portal
Applicants apply online, upload documents, complete e-KYC and e-sign agreements. Borrowers then view schedules, pay installments, request statements or foreclosure quotes and get reminders before each due date.
Lender back office
Credit, operations and finance teams manage the pipeline, underwriting, approvals, disbursements, repayments, restructuring and closures, with role-based access and maker-checker controls on every sensitive action they take.
Collections app
Field agents receive daily visit lists by priority, navigate to borrowers, record promises to pay, collect payments with instant digital receipts and capture photos and GPS proof of each visit.
Partner portal
Brokers, loan agents and dealer partners submit leads and applications, track status and see commissions, while you control which products and data each partner can access.
Features that do the heavy lifting
Digital loan origination
A loan origination system with configurable application forms, document collection, e-KYC through identity providers and automatic checks for missing information before a file reaches underwriting.
Credit decisioning
Pull credit bureau reports through APIs, apply scorecards and eligibility rules, and route borderline cases to manual review with full notes, so approvals stay consistent across credit officers.
Flexible loan products
Configure personal, business, vehicle, gold, education and group loans with flat or reducing-balance interest, moratoriums, balloon payments and fees, without code changes for each new product.
E-sign and repayment mandates
Borrowers sign agreements digitally and set up automatic repayments through e-mandates, ACH or direct debit, depending on the payment rails available in your market.
Loan servicing
Loan servicing software that handles EMI schedules, interest accrual, part-prepayments, foreclosure, rescheduling and restructuring, with every adjustment recorded against the account and reflected in statements.
Collections management
Debt collection software that groups overdue accounts into DPD buckets, triggers SMS, WhatsApp, email and call reminders, assigns field visits and tracks promises to pay through to recovery.
Payments and reconciliation
Accept repayments through payment gateways, bank transfers and mandates, then reconcile them automatically against expected dues so the operations team only handles exceptions.
Accounting entries
Every disbursement, repayment, fee and write-off generates accounting entries that export to your general ledger, keeping finance and operations aligned.
Portfolio reports
Track disbursements, collections, portfolio at risk, overdue aging and branch performance on live dashboards, with exports to Power BI or spreadsheets for board and regulatory reporting.
Audit trail and access control
Maker-checker approvals, role permissions, encrypted data and a full audit log show who changed what and when, which internal auditors and regulators expect to see.
Business benefits
Faster decisions
Digital applications, automatic checks and bureau pulls let credit teams decide on complete files sooner, which improves the borrower experience without loosening your credit policy.
Healthier collections
Early reminders, prioritized agent lists and promise-to-pay tracking help your team act early, before accounts slip into the later delinquency buckets where recovery gets much harder.
One source of truth
Origination, servicing, collections and accounting share the same records, so the numbers in operations reports match what finance, management and auditors see at month end.
Launch new products quickly
Because products are configured rather than coded, you can pilot a new loan type, partner program or pricing plan without waiting for a long development cycle.
Three ways to launch
From demo to launch
Built on a modern stack
Related solutions
Services that go with it
Loan Management Software: FAQ
How much does loan management software cost?
A custom loan management system typically costs $25,000 to $100,000 or more. Cost depends on the number of loan products, integrations with bureaus, KYC, e-sign and payment providers, the collections app, data migration and reporting needs. Taking our ready platform on subscription or license costs less upfront and shortens delivery. Once your scope is clear from a free consultation, we put a fixed price on it.
Does the platform support RBI and other lending regulations?
We build to support the rules that apply to you. For Indian NBFCs and digital lenders, that includes RBI requirements such as key fact statements, disclosure of the all-in cost of credit and disbursement directly to the borrower's bank account. For other markets, we map disclosures, cooling-off periods, data privacy and reporting to your regulator's rules. Your compliance team confirms them, and licenses remain with you.
Which loan types can the platform manage?
It handles personal, business, MSME, vehicle, gold, education, consumer durable and buy-now-pay-later loans. It also works as microfinance software, with group lending and center meeting collections. Each product can have its own interest method, fees, tenure, repayment frequency, collateral fields and approval rules, and unusual products such as supply chain finance can be added during setup.
Can you migrate our existing loan book?
Yes. We import active and closed loans, schedules, payment history, customer records and documents from spreadsheets or your current system, then reconcile balances, dues and accruals loan by loan. A parallel run lets your team compare results before the switch, so every borrower's balance matches on the first day.
What integrations does the system support?
We integrate credit bureaus, identity and KYC providers, e-sign services, e-mandate and direct debit rails, payment gateways such as Razorpay and Stripe, SMS and WhatsApp messaging, accounting systems and core banking where needed. As NBFC software, it can also connect to co-lending partners and account aggregator data where your market supports it. New integrations are scoped during the demo.
How long does it take to implement the lending platform?
On our ready platform, configuration, integrations, migration and training typically take six to twelve weeks, depending on how many products and partners you have. A custom build usually takes four to eight months. Bureau and partner approvals can affect timing, so we plan those steps early and share a detailed schedule in your proposal.
See it live.
Book a free demo.
We'll walk you through the platform with your own use case and show exactly how it would look with your brand.