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
Finance
Lending software development
Origination, servicing and collections software for NBFCs, microfinance institutions and digital lenders working within RBI's digital lending guidelines.
At a glance
The short version
- What we build
- How it works
- Borrower app or sourcing agent
- Underwriting workbench
- Credit manager
- Operations team
- 3 more
- Runs on
- Android
- Web app
- Admin
- PWA
- Who it's for
We build lending software across the loan life cycle: sourcing and origination apps, underwriting workbenches, loan servicing, collections and borrower self-service. It suits NBFCs, microfinance institutions, gold-loan and MSME lenders, and lending service providers working with regulated partners.
- Cost depends on
- Loan products and schedules
- Partner and co-lending setups
- Underwriting data sources
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 estimateFrom application to closure in one traceable record
A loan passes through many hands: a sourcing agent or app, a credit analyst, an operations team that disburses, a servicing system that tracks EMIs, and collections when payments slip. In many lenders each stage lives in a different spreadsheet or vendor tool, and nobody sees a borrower's full history.
We build lending systems where every stage writes to the same loan record. RBI's digital lending guidelines add specific requirements — disbursal straight to the borrower's bank account, repayments into the lender's account, a Key Fact Statement showing the all-in cost, and a cooling-off period — so we build those into the product rather than bolting them on.
Challenges
Lending bottlenecks we are asked to fix
Manual underwriting
Analysts re-key figures from bank statements, ITRs and GST returns before they can assess a file.
Disconnected origination and servicing
When LOS and LMS do not share data, schedules, charges and foreclosure quotes go wrong.
Collections without a trail
Field agents collect cash and UPI payments that reach the system days later, with no visit record.
Disclosure obligations
KFS, sanction letters, cooling-off exits and grievances need consistent, auditable records.
Solutions
Software lenders ask us for
Custom loan origination and loan management software covering applications, underwriting, disbursal, EMIs, collections and reporting.
Secure fintech apps and back offices for payments, lending, investments and insurance, integrated with licensed banking, KYC and data partners.
Data extraction from invoices, KYC documents, statements and forms into your systems, with validation rules and human review for uncertain fields.
Custom CRM software that captures leads from every channel, keeps follow-ups on schedule and shows managers a live pipeline.
Automations for repetitive back-office work, with AI steps that read, classify and draft, and approvals where decisions matter.
Lending modules we build
Origination app
Assisted and self-serve applications with eKYC, bank verification, bureau checks and document capture.
Underwriting workbench
Statement analysis via Account Aggregator or uploads, policy rules, deviations and credit committee approvals.
Loan servicing
Schedules, interest accrual, charges, part-prepayments, restructuring and foreclosure statements.
Repayment collection
NACH e-mandates, UPI AutoPay, payment links and handling of bounced debits.
Field collections app
DPD-bucket allocation, geotagged visits, digital receipts and promise-to-pay tracking.
How it works
How a loan moves from application to closure
Every stage writes to the same loan record, so the borrower's full history is always one search away.
- Borrower app or sourcing agent
Step 1: Borrower applies
Application details, eKYC and bank verification are captured once, whether the borrower applies alone or with an agent's help.
- Underwriting workbench
Step 2: Credit analyst assesses the file
Statements arrive through Account Aggregator or upload, the bureau report is pulled, and policy rules highlight deviations for the analyst to judge.
- Credit manager
Step 3: Sanction and Key Fact Statement
Approved terms generate the KFS and sanction letter from the same data, and the borrower accepts digitally after reading the all-in cost.
- Operations team
Step 4: Funds sent to the borrower's own account
Once the repayment mandate is registered, the loan is disbursed straight to the verified bank account, and the cooling-off window starts.
- Loan servicing
Step 5: EMIs collected on the due date
NACH or UPI AutoPay debits each EMI. A bounced debit triggers a payment link and moves the loan into the right overdue bucket.
- Collections agent app
Step 6: Field visits for overdue loans
Agents get allocated cases, log geotagged visits and issue digital receipts, so cash reaches the loan record the same day.
- Borrower app
Step 7: Closure and no-objection certificate
Foreclosure quotes and the closure letter come straight from the loan record, with no manual calculation.
Platforms
Apps for borrowers, agents and credit teams
- Mobile
Android app
Apps for Android phones and tablets, tested on budget and mid-range devices and published on Google Play or privately.
- Web
Web application
Browser-based applications with logins, roles and workflows, such as customer portals, SaaS products and internal tools.
- Back office
Admin dashboard
Back-office panels for operations, support and finance teams: orders, users, content, reports and permissions.
- Web
Progressive web app
Installable web apps with offline support and notifications, useful when an app-store listing isn't essential or phones have little storage.
Technology
Lending platform technology
PostgreSQL keeps each loan's schedule and payments consistent, Python reads bank statements for underwriting, and a Flutter app lets field agents work offline where the signal drops.
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
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
Payments & maps
Razorpay
Lets customers in India pay by UPI, cards, netbanking or wallets, and handles subscriptions, refunds and payouts to sellers or partners.
Used for
- UPI payments
- Cards and netbanking
- Subscriptions
- Payment links
Flutter and the related logo are trademarks of Google LLC. We are not endorsed by or affiliated with Google LLC.
Plain-English glossary
Lending jargon, decoded
- LOS and LMS
- The loan origination system handles everything up to sanction; the loan management system tracks the loan afterwards. When both share one record, schedules, charges and foreclosure quotes stop disagreeing.
- Key Fact Statement (KFS)
- A standard summary showing a borrower the all-in cost, fees and main terms before they sign. Generating it from the sanction data avoids mismatches that later turn into complaints.
- NACH e-mandate
- A one-time authorisation that lets the lender debit EMIs from the borrower's bank account on each due date. It cuts manual follow-up and shows a bounced payment the same day.
- DPD bucket
- Days past due: how late a repayment is, grouped into bands such as 1–30 or 31–60 days. Collections teams use these bands to decide who gets a reminder, a call or a visit.
Product preview
Apps for borrowers, credit analysts and collection agents
Borrower app. Borrowers see the amount, tenure and full cost before accepting, and the Key Fact Statement opens from the same screen. 
Underwriting workbench. Analysts see parsed statements, bureau results and policy deviations for each file, so their time goes into judging risk rather than re-keying figures. 
Collections agent app. Agents work an allocated visit list, record promises to pay and issue digital receipts on the spot, which keeps cash and records in step.
Illustrative preview
Sample screens: names, prices and figures are examples, not client data.
Cost drivers
Effort drivers for lending software
Loan products and schedules
Each product — EMI, bullet, gold loan, group microfinance — adds schedule logic and edge cases such as moratoriums.
Partner and co-lending setups
Splitting disbursals, repayments and reporting between lenders adds reconciliation work.
Underwriting data sources
Account Aggregator, bureau, GST and statement-parsing integrations each need certification and testing.
Estimates are written from your scope, with the effort and assumptions behind each line item.
How pricing worksServices
Services for this industry
The design and engineering services our in-house team combines on projects in this sector.
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.
Flutter development
Android and iOS apps from one Dart codebase, built by engineers who know when Flutter is the right call and when native code is needed.
FAQ
Frequently asked questions
Can you build software that follows RBI's digital lending guidelines?
We build the features the guidelines call for: disbursal only to the borrower's verified account, repayments into the lender's account, Key Fact Statements generated from the same data as the sanction, cooling-off exits, explicit consent before accessing device data, and grievance workflows. Interpreting the guidelines for your products is your compliance team's call; we implement their written requirements and keep rules configurable so revisions do not turn into rewrites.
Should we buy a loan management system or build one?
If your products are standard and volumes modest, a licensed LMS is often faster. A custom build makes sense when products are unusual — supply-chain finance, revenue-based financing, gold loans with part-release — when you need tight integration with your own origination app, or when licence fees scale badly with loan count. We can also build origination and collections around an LMS you already use.
How do you handle collections from borrowers who pay in cash?
Field agents use an app for Android that works offline, records each visit with location and time, and sends a digital receipt by SMS or WhatsApp on the spot. Cash is tracked from agent to branch deposit with daily reconciliation, so gaps are visible. Where the borrower can pay digitally, the agent shares a UPI link or QR instead. Contact timings and scripts follow your fair-practices policy, and every call and visit is logged.
Next step
Modernising how you lend?
Tell us about your loan products, volumes and current systems. We will suggest what to build, what to integrate and what to leave alone.