Backend
NestJS
A structured way to build back ends on Node.js, so large business systems stay organised, testable and easy to hand over.
Used for
- Business app back ends
- SaaS platforms
- Marketplaces
- Admin panel back ends
Lending software
Loan management software for NBFCs, lenders and co-lending partners
Origination, servicing and collections in one lending platform, configured for your products and partners.
At a glance
The short version
What it is
Custom loan origination and loan management software covering applications, underwriting, disbursal, EMIs, collections and reporting.
- What you get
- Origination (LOS)
- Servicing (LMS)
- Collections
- How it works
- Branch, DSA or borrower app
- Loan origination system
- Credit team
- Borrower app
- 2 more
- Runs on
- Web app
- Android
- Admin
- Built with
- Who it's for
- Cost depends on
- Loan products
- Origination versus servicing
- Co-lending and partner models
Flutter and the related logo are trademarks of Google LLC. We are not endorsed by or affiliated with Google LLC.
How to start
Tell us what you need in your own words. You talk to the developers who would build it and get a written, line-item estimate.
Get a project estimateOne platform from application to closure
Loans are long-lived records. A loan created today may be serviced for years, through part-payments, restructuring and collection cycles, and mistakes in interest accrual or charges compound over that life.
We build lending platforms around a loan ledger that records every accrual, charge, payment and adjustment, with product rules held in configuration. New products, such as a different tenure, repayment frequency or co-lending partner, can then be added without rewriting the core.
Challenges
Lending operations under strain
EMI tracking in spreadsheets
Schedules, part-payments and overdue calculations maintained by hand drift from bank records.
Frequent rule changes
Disclosure formats, penal charge rules and reporting needs change, and hard-coded systems lag behind.
Co-lending reconciliation
Splitting collections and interest between partners loan by loan becomes a monthly exercise.
Collections without visibility
Field visits, promises to pay and cash receipts are not recorded in time.
What is included
Lending platform modules
Platform: Web app
Origination (LOS)
- Applications from branches, DSAs and apps
- KYC, bureau pull and bank statement analysis
- Rule-based eligibility and scorecards
- Sanction, key fact statement and e-sign
Platform: Web app
Servicing (LMS)
- EMI, bullet and step-up schedules with daily accrual
- Mandate presentation, part-payment and foreclosure
- DPD tracking with SMA and NPA classification
- Penal charges and restructuring
Platform: Android app
Collections
- Allocated cases with visit routes
- UPI link or cash collection with digital receipts
- Promise-to-pay and field notes
How it works
How a loan moves from application to closure
Credit policy, KYC levels and disclosures are set by the lender and its compliance advisers in line with RBI guidelines; the software applies them consistently and records every decision.
- Branch, DSA or borrower app
Step 1: Application
The applicant submits details and documents, and duplicate checks on PAN, mobile number and bank account run immediately.
- Loan origination system
Step 2: KYC and bureau check
Identity is verified through licensed providers, and a bureau report and bank statement analysis are pulled with consent.
- Credit team
Step 3: Credit decision
Eligibility rules and scorecards set by the lender prepare a recommendation; a credit officer makes the decision, which the system records with reasons.
- Borrower app
Step 4: Sanction and e-sign
If the loan is sanctioned, the borrower reviews the key fact statement, signs the agreement digitally and registers an e-NACH or UPI AutoPay mandate.
- Loan management system and bank
Step 5: Disbursal
Funds go directly to the borrower's bank account, and the repayment schedule is created in the loan ledger.
- Loan management system and collections app
Step 6: EMIs, collections and closure
Mandates are presented on due dates, overdue cases go to collections, and the loan closes with a no-dues certificate.
Platforms
Where lenders, borrowers and collection teams work
Credit and operations teams use a web app; borrowers and field collectors use phone apps for Android.
- Web
Web application
Browser-based applications with logins, roles and workflows, such as customer portals, SaaS products and internal tools.
- Mobile
Android app
Apps for Android phones and tablets, tested on budget and mid-range devices and published on Google Play or privately.
- Back office
Admin dashboard
Back-office panels for operations, support and finance teams: orders, users, content, reports and permissions.
Technology
Technology behind our lending platforms
Chosen for exact interest and charge calculations, dependable scheduled jobs and records that auditors can trace.
Backend
Python
A programming language for AI features, data processing and automation: the engine behind document reading, reports and smart search.
Used for
- AI features
- Document reading
- Reports and analytics
- Task automation
Data
PostgreSQL
A reliable database for the records your business runs on: orders, payments, bookings and stock, kept accurate and easy to report on.
Used for
- Orders and customers
- Payments and ledgers
- Stock and inventory
- Bookings
Data
Redis
Keeps frequently used data in fast memory, so apps stay quick on busy days and live features like order tracking feel instant.
Used for
- Faster apps
- Live order status
- Shopping carts
- Job queues and alerts
Web
React
Builds interactive screens in the browser, such as dashboards, admin panels and portals, that respond instantly as your team works.
Used for
- Web apps
- Admin panels
- Dashboards
- Customer portals
Mobile
Flutter
Build Android and iOS apps from one shared codebase, so you launch on both platforms faster with a consistent experience.
Used for
- Mobile apps
- Delivery apps
- E-commerce apps
- Booking apps
Cloud & DevOps
AWS
Cloud hosting for your app, website and data, with data centres in India and room to grow when traffic rises.
Used for
- App hosting
- File and photo storage
- Backups
- Busy sale days
Flutter and the related logo are trademarks of Google LLC. We are not endorsed by or affiliated with Google LLC.
Integrations
Lending integrations
Credit
Credit bureaus
Bureau pulls and periodic data submissions in the formats bureaus require.
KYC
CKYC, Aadhaar eKYC and Video KYC providers
Identity verification through licensed providers.
Underwriting
Account Aggregator and statement analysers
Consent-based bank data and cash-flow analysis.
Repayments
e-NACH and UPI AutoPay
Mandate registration and presentation through a sponsor bank or aggregator.
Documentation
eSign and e-stamping
Digitally executed loan agreements.
Disbursal
Bank payout APIs
Disbursal straight to the borrower's bank account.
Privacy & security
Controls for regulated lending
Digital lending rules as policy input
Your compliance team maps RBI's digital lending requirements, such as key fact statements, direct disbursal and cooling-off periods; we implement and document them.
Minimal device permissions
Borrower apps avoid contacts, media and call logs, collecting only what the journey needs, with consent.
Encryption and maker-checker
Encrypted borrower data, masked identifiers, and second approval on sanctions, waivers and write-offs, all logged.
Fraud and duplicate checks
Dedupe on PAN, mobile and bank account, with alerts on unusual application patterns.
Plain-English glossary
Lending terms, in plain English
- LOS and LMS
- The loan origination system handles applications up to sanction; the loan management system services the loan afterwards, from EMIs to closure. Many lenders need both.
- Key fact statement (KFS)
- A standard summary of a loan's costs and terms that RBI rules require lenders to give borrowers before they sign. Your compliance team defines its content; the system generates it.
- DPD (days past due)
- How many days a repayment is overdue. DPD drives collection actions and the SMA and NPA classifications lenders must report.
- e-NACH mandate
- An electronic instruction from the borrower that lets the lender collect EMIs from the borrower's bank account on due dates.
- Co-lending
- Two lenders, often a bank and an NBFC, sharing each loan in an agreed ratio. The system splits every repayment, charge and waiver between them.
- Bureau pull
- Fetching an applicant's credit report from a credit bureau, with their consent, to see existing loans and repayment history.
Product preview
Application tracker, EMI schedule, credit desk and collections app
Borrower app. Borrowers can see where their application stands without phone calls; the lender makes the decision, and the app says so plainly. 
Borrower app. Borrowers see every instalment, what is paid and what is due, and can pay early by UPI; the schedule updates from the loan ledger. 
Credit desk. Credit officers see applications with bureau and statement checks attached, and every decision is recorded with the officer's name for audit. 
Collections app. Field collectors see allocated cases on a route, send UPI payment links or record cash with a digital receipt, and log promises to pay.
Illustrative preview
Sample screens: names, prices and figures are examples, not client data.
Industries
Lenders and credit businesses
Cost drivers
What drives lending software cost
Loan products
Each product brings its own schedule, charge and accrual rules.
Origination versus servicing
An LMS alone is a smaller scope than end-to-end LOS plus LMS.
Co-lending and partner models
Split ledgers and partner reporting add significant logic.
Live book migration
Moving active loans with accurate outstanding balances needs careful reconciliation.
Estimates are written from your scope, with the effort and assumptions behind each line item.
How pricing worksServices
Services involved
The disciplines a project like this draws on.
Custom software development
Software shaped around how your business runs, from approvals and inventory to billing and reports, replacing spreadsheets and disconnected tools.
Web application development
Browser-based products, customer portals, dashboards and internal tools, built on clean data models with secure roles and integrations.
Mobile app development
Native and cross-platform Android and iOS apps, from first release through regular store updates, built by our in-house designers and engineers.
API development
Secure, documented REST and GraphQL APIs, plus integrations that connect your apps to payment, logistics, GST, messaging and business systems.
Admin panel development
Back-office dashboards built around your team's daily tasks: order queues, approvals, catalogue management, payouts, reports and audit logs.
FAQ
Frequently asked questions
Can you migrate our live loan book from spreadsheets or another system?
Yes, and we treat it as a project of its own. Each active loan is imported with its terms, schedule, payments, charges and current DPD, and the system recalculates outstanding balances to compare with your records. Differences are listed loan by loan for your finance team to resolve before cut-over. We migrate a sample first, then the full book, and run both systems in parallel for a cycle.
Does the software support co-lending arrangements with banks?
It can. Each loan records partner shares of principal and interest, and every repayment, charge and waiver is split according to the agreement. The system produces partner-wise statements and settlement files, and exchanges loan data through the partner's APIs or files. Co-lending agreements differ widely, so we model them from your actual contracts rather than a fixed template.
How do you support the RBI digital lending guidelines?
Your compliance team interprets the guidelines for your business model and gives us the requirements; we build and document them. Typical examples are generating the key fact statement before execution, disbursing and collecting directly between the borrower's and lender's bank accounts, showing grievance officer details, supporting the cooling-off period and limiting app permissions. We keep a traceable list linking each requirement to its implementation.
Should we build a lending platform or license an existing one?
Licensed lending platforms can be quicker for standard products and come with established reports. A custom build suits lenders with unusual products, such as crop-cycle repayments, supply chain finance or embedded credit, several co-lending partners, or a need to own the platform. A middle route is licensing a core ledger and building custom origination and collections around it. We will help you compare the options honestly.
Related
Keep exploring
Next step
Scope your lending platform
Share your loan products, volumes and partner arrangements. We will propose an origination and servicing roadmap with a line-item estimate.