Enterprise lending infrastructure

The Operating System for Modern Lending

Manage the complete loan lifecycle — from customer onboarding and underwriting to disbursement, collections, reconciliation, and reporting — from one powerful platform.

Built for NBFCs, Fintechs, Digital Lenders & Financial Institutions

LPortfolio Overview

Live

Active Loans

8,420

+6.2%

Total Disbursed

₹24.8 Cr

+12.4%

Collection Rate

91.4%

+1.8%

Approval Rate

37.0%

-0.9%

Portfolio Outstanding

₹6.4 Cr

+4.1%

NPA %

2.8%

-0.3%

Recent Loan Applications

Application	Amount	Product	Status
Rakesh MenonLN-48213	₹4,50,000	Business Loan	Approved
Sneha KulkarniLN-48212	₹1,20,000	Personal Loan	Underwriting
Arvind TradersLN-48211	₹12,00,000	Working Capital	Disbursed
Priya NairLN-48210	₹85,000	Consumer Durable	Rejected

Risk Analysis

Last 12 months

Low risk

62%

Medium

29%

High risk

Platform

Everything You Need to Run Your Lending Business

One modular platform covering origination, servicing, risk, recovery and reporting — configurable to your lending policies.

Loan Origination System

Manage loan applications, borrower onboarding, eligibility checks, documentation, verification, and approval workflows.

Loan Management System

Manage active loans, EMIs, interest calculations, repayment schedules, penalties, restructuring, foreclosure, and settlements.

Automated Underwriting

Build configurable lending rules using credit score, income, bank statements, employment, bureau data, and internal risk parameters.

KYC & Verification

Integrate PAN, Aadhaar, bank account, GST, UPI/VPA, CKYC and other verification APIs.

Credit Bureau Integration

Connect with CIBIL, Experian, CRIF High Mark, Equifax, and other bureau providers.

Disbursement Management

Track sanctioned loans, disbursement requests, payment status, bank transfers and payout reconciliation.

Collections

Manage EMI collections, overdue accounts, payment reminders, recovery workflows and collection performance.

Fraud & Risk Monitoring

Detect suspicious applications, duplicate identities, unusual borrowing patterns and high-risk customers.

Documents & eSign

Manage loan agreements, sanction letters, KYC documents, eSign workflows and document audit trails.

Reconciliation

Automatically reconcile payments, disbursements, settlements and partner transactions.

Reports & Analytics

Detailed lending analytics, portfolio reports, approval ratios, collections, revenue, NPAs and customer behaviour.

Workflow

From Application to Repayment — One Seamless Workflow

Every stage is tracked, auditable and automatable — with clear ownership and SLA visibility at each hand-off.

Application

KYC Verification

Credit Bureau Check

Risk Assessment

Automated Underwriting

Approval

Agreement & eSign

Disbursement

EMI Collection

Closure

Automation

Automate Lending Decisions at Scale

Create custom approval and rejection rules based on your lending policies.

Policy rules versioned and testable before going live
Straight-through processing for low-risk applications
Manual review queues for exceptions and edge cases
Full decision audit trail for every application

Rule Builder — Personal Loan Policy v3

Active

Credit Score>700

AND

Monthly Income>₹30,000

AND

FOIR<50%

AND

Active Defaults=None

AND

Bank Account=Verified

AND

Employment=Verified

Decision

AUTO APPROVED

Sanctioned ₹3,50,000 · 18% p.a. · 24 months · decisioned in 1.4s

Integrations

Connect Your Existing Financial Infrastructure

Plug LOANOS into the bureaus, banks, verification and communication providers you already work with.

Credit Bureaus

CIBIL
Experian
CRIF
Equifax

KYC Providers

PAN
Aadhaar
CKYC
GST

Banking APIs

Penny Drop
NEFT/RTGS
IMPS
Statements

eSign Providers

Aadhaar eSign
eStamp
DSC

Payment Gateways

UPI
Cards
Netbanking
eNACH

BBPS

Biller onboarding
EMI presentment

Account Aggregators

AA consent
Bank data
FIU

SMS & WhatsApp

Reminders
OTP
Recovery

CRM

Leads
DSA flows
Tickets

Accounting Software

Ledgers
GST
Journals

Admin console

A Serious Console for Serious Lending Operations

Role-based modules for every team — credit, operations, collections, risk, finance and engineering.

LLOANOS Console Search loans, customers, applications

Loan Applications

Last 30 days

In pipeline

1,284

+8.4%

Avg. decision time

3m 12s

-22%

Auto-decisioned

68.5%

+5.1%

Application volume

Application	Customer	Product	Amount	Bureau	Stage
LN-49021	Vikram Shetty	Business Loan	₹8,50,000	742	Underwriting
LN-49020	Meera Fabrics	Working Capital	₹15,00,000	781	Sanctioned
LN-49019	Anil Deshpande	Personal Loan	₹2,25,000	703	Disbursed
LN-49018	Sana Qureshi	Two-Wheeler	₹95,000	688	KYC Pending
LN-49017	Grover Logistics	Equipment Loan	₹22,00,000	725	Review

Built for

Built for Every Lending Model

Secured or unsecured, retail or SME, direct or embedded — configure LOANOS to your book.

NBFCs

Run full-scale lending operations with compliance-ready workflows.

Digital Lending Apps

Launch app-first journeys with instant decisioning.

Fintech Companies

Ship new credit products without rebuilding core infrastructure.

Personal Loan Platforms

High-volume unsecured lending with automated underwriting.

Business Loan Providers

Assess GST, banking and bureau data for SME credit.

DSAs & Loan Aggregators

Manage partner sourcing, payouts and lender routing.

Microfinance Companies

Group lending, field collections and branch-level control.

Embedded Lending Platforms

Offer credit inside your product through APIs.

Developers

API-First. Flexible. Built to Scale.

Integrate LOANOS with your existing apps, websites, banking infrastructure and financial service providers.

REST APIs

Webhooks

Role-Based Access

API Logs

Sandbox Environment

Secure Authentication

api.loanos.dev

curl -X POST https://api.loanos.dev/v1/loan-applications \
  -H "Authorization: Bearer $LOANOS_KEY" \
  -d '{
    "customer_id": "cus_9F2LK41",
    "product": "personal_loan",
    "amount": 350000,
    "tenure_months": 24
  }'

200 OK

{
  "application_id": "LN-49021",
  "decision": "auto_approved",
  "sanctioned_amount": 350000,
  "roi": 18.0,
  "decisioned_in_ms": 1412
}

Security

Enterprise-Grade Security

Controls designed for regulated lending environments handling sensitive borrower data.

Encryption at Rest & Transit

Role-Based Access Control

Audit Logs

Secure API Authentication

Data Backup

Activity Monitoring

Configurable Permissions

Compliance-Ready Infrastructure

Analytics

Know Exactly How Your Book Is Performing

Portfolio, collections, approvals and risk — reported in real time across products and regions.

₹24.8 Cr

Total Disbursed

8,420

Active Loans

91.4%

Collection Efficiency

37%

Application Approval Rate

2.8%

NPA

₹6.4 Cr

Outstanding Portfolio

Loan Disbursement Trend

₹ Cr · last 12 months

Applications vs Approvals

Apr

May

Jun

Jul

Aug

Sep

Collection Performance

Apr

May

Jun

Jul

Aug

Sep

Portfolio by Loan Type

Personal38%
Business27%
Two-Wheeler20%
Consumer15%

Risk Distribution

Low risk (A/B)62%

Medium risk (C)29%

High risk (D/E)9%

Book a demo

See How LOANOS Can Transform Your Lending Operations

Get a personalized walkthrough of the platform based on your lending model and operational requirements.

A working demo of origination, underwriting and collections
Configuration mapped to your credit policy
Integration and migration guidance for your stack

Build. Automate. Scale Your Lending Business.

Move your entire lending operation onto infrastructure designed for growth, control and compliance.