Enable loan disbursals in minutes
Provide collateral-free micro loans to individuals and SMEs, in 3 simple steps, to help them meet their urgent needs.
Feature highlights
Integrate with LMS
Hook up your Loan Management System to our platform to digitise traditional loan workflows.
100% Digital
Digitise every phase of the loan process from origination, disbursal and collections.
Self Serve
Users can serve themselves with loan products without interacting with a single bank staff.
Getting Started in Easy
Create your first digital loan workflow in less than 15 minutes and publish in seconds.
Customise Products
Configure digital loan workflows that are unique to different user categories.
Detailed Reports
Get health checks on all active loans and comprehensive reports on their current status.
How does it work?
Pick Loan Products for Digitisation
Choose a loan product from your Loan Management System and create a digital workflow for it in our system.
Test in Sandbox
Quickly check out the new workflow in the test environment and fix or edit any steps.
Publish Instantly
Put it out for your users in minutes with 1-click publishing. They can access new features without updating their apps.
Loan Configurations
Product Selector
Easily select any loan product from your existing product list, in the LMS, for instant availability on the digital banking app.
Rules Engine
Design user friendly workflows by leveraging more than 50 digital loan configuration rules that puts flexibility in your hands.
Auto-Underwriting
Define Underwriting Rules
Configure rules as per your loan policies which will need to be matched for any loan request to be processed.
Process Incoming Requests
Every incoming loan request is screened against set rules and auto-approved if they match the rules.
Disburse Approved Requests
Matched loan requests can be disbursed directly into beneficiary accounts or get a supervisor approval.
Collection Automation
Set Collection Rules
Give your users a choice of interest payment with daily, weekly and monthly options, including auto debit or manual payments.
Set Liens
You can also configure lien to be set on accounts which have missed payments beyond due dates, so as to keep your loan book in order.
Your User's View
Loan Application
Users get a simple interface to provide a preferred loan amount or choose from a pre-approved amount.
Tenure & Repayment Choices
Users then go ahead to choose a repayment tenure and the interest payout schedule (daily/weekly/monthly).
Quick Credit
If the application is approved then the loan amount can be credited into their account within a few minutes.
Credit Scoring
Credit Scorecard
Use your user's data like payment history, credit utilisation, other account usage statistics to build an internal real time credit scorecard.
Integrate External Credit Data
Connect to reputed credit scoring bureaus and use their data to approve or reject loan application of your users.
Loans. Rebooted.
Give a digital spin to the age old practice of lending with digital origination and instant disbursals.
