Replace your legacy LOS, without disrupting servicing.
We build custom Loan Origination Systems for NBFCs and digital lenders. Compliance-grade from day one. Pre-built module map, pre-validated integrations, productized accelerators that compress 12–18 month vendor timelines into 6–12 weeks.
Eight modules. Every stage of origination covered.
Anything outside these eight is either LMS, collections, or a marketing site. Each module ships independently, integrates cleanly with the others, and keeps a full audit log.
Across DSAs, branches, partners, digital, with cross-source dedup logic and lead scoring.
eKYC, CKYC, video-KYC, OCR fallbacks, sanction list checks. Swap providers without re-platforming.
Configurable credit rules and scorecards, multi-stage approval with maker-checker gates, deviation escalation to credit manager and committee, with full audit trail on every decision.
CIBIL, Experian, CRIF, Equifax for credit. AA-driven bank statement analysis alongside Perfios and Finbox, with vendor fallbacks so a bureau outage doesn't stall an application mid-flow.
Offer generation tied to eligibility, KFS in regulator format, eSign, customer acceptance log, and offer expiry handling.
Payment rails (NACH/IMPS/UPI), eMandate, partner accounts, reconciliation hooks.
Split logic, partner ledgers, settlement, and default loss guarantee accounting.
DPDP, real-time DPD tracking, role-based access controls, evidence packs — embedded across every module, not added at audit time.
Pre-validated across the integrations NBFC buyers actually need.
Adapter layers per partner with retry, fallback, and audit logging, so you swap providers without re-platforming.
RBI compliance built in, not bolted on.
DPDP-aligned consent management, granular RBAC, Encryption, KYC orchestration, DPD tracking, and audit trail — baked into every module from day one, not added at audit time.
Granular role-based entitlements with DPDP-aligned consent management. PII encrypted at AES-256-GCM at rest and in transit.
Aadhaar eKYC, PAN, and Voter ID verification with vendor abstraction — swap providers without re-platforming the LOS.
Days Past Due tracked as a first-class event from disbursement onwards, driving collections triggers and NPA classification flags.
Document service emits KFS per regulator format; SLA telemetry tied to grievance redressal flow.
Maker-checker gates at every deviation level — field officer → credit manager → committee. Each override recorded with reason, approver, and timestamp. Configurable per loan product and deviation type.
Replace the LOS without disrupting servicing.
Sequenced migration: data gravity first, then origination flow, then sunset. We've done it on production NBFC books, without a single missed disbursement window.
- Inventory current LOS data model & integration contracts
- Stand up new platform alongside legacy (no big-bang cutover)
- Migrate origination flow per loan product (gold loan first, MSME next, etc.)
- Mirror disbursements to both systems for one cycle
- Sunset legacy origination once parity is reached
- Decommission with audit-ready archival of legacy DB
NBFC LOS, what buyers ask before scoping.
Migration approach, integrations, compliance coverage, credit rule configurability, co-lending support.
How do you replace a legacy LOS without disrupting daily disbursements?
Sequenced migration, not big-bang. We stand the new platform alongside legacy, mirror disbursements for one cycle, validate parity (zero divergence is the cutover gate), then sunset legacy origination per product, gold first, MSME next, personal last. Servicing on legacy continues throughout. Zero missed windows so far.
Which credit bureaus, BSA, eKYC, and payment-rail integrations are pre-built?
Bureaus: CIBIL, Experian, CRIF Highmark, Equifax. BSA: Perfios, Finbox, AA. eKYC: Digio, Hyperverge, Idfy, Karza, Signzy, CKYC. eSign: Aadhaar, NeSL, NPCI eMandate. Rails: NACH, IMPS, UPI, RTGS, BBPS. Accounting: Tally, BUSY, Zoho, QuickBooks. All wrapped with retry, fallback, audit.
How is RBI Digital Lending Guidelines (DLG) compliance built into the platform?
Architecture constraint, not bolt-on. FLDG accounting in the GL schema. Borrower data localisation in cloud topology. Cooling-off as state transitions in the disbursement engine, audit-logged. KFS document service emits regulator-format docs with versioning. Grievance SLAs emit telemetry as first-class signals.
What's the typical MVP timeline for a custom NBFC LOS?
8–16 weeks to MVP for most NBFC scopes, covering lead capture, KYC orchestration, underwriting (BRE + scorecards), bureau/BSA/eKYC integrations, sanction & KFS issuance, and disbursement. Productised accelerators compress this from the 12–18 months typical with legacy vendors.
Does the platform support co-lending and FLDG arrangements?
Yes. Co-lending split logic, partner ledgers, settlement workflows, and FLDG accounting are first-class. FLDG belongs in the GL schema, not bolted onto reporting. Multi-partner co-lending is supported, with partner-attributed default exposure tracked at the loan level.
Can our risk team configure credit policies without engineering involvement?
Yes. The BRE treats credit policy as configurable rules, risk team owns iteration directly. Policy changes are config edits, not developer tickets. Each decision (approval, rejection, manual override) is audit-logged with rule set, scorecard inputs, and override reason captured per loan.
Modernize your LOS without disrupting servicing, in weeks, not years.
30-minute architecture review with a senior engineer. Bring your current LOS pain points, integration list, and credit policy. We'll map your sequenced migration.
- A senior engineer reviews your submission — not a sales rep
- Response within one business day
- NDA available before scoping if needed