Loan files that move without chasing paper.
Applications, KYC, credit checks, disbursal and collections on one connected system. Field staff work from a phone, credit teams see complete files, and borrowers track their loan themselves.
- Loan originationApplications from app, web or branch
- KYCIdentity and document checks
- Loan servicingEMI schedules and interest
- CollectionsOverdue buckets and follow-ups
- Insurance distributionPolicy records by customer
- Customer appLoan status and EMIs
What lending software covers
A loan passes through many hands: the field officer or partner who sources it, the team that checks KYC, the credit manager who approves it, accounts who disburse it and collections who follow every EMI. When each works from a different sheet, files stall and overdues grow quietly. Lending software keeps one file per borrower that everyone can see.
We build for NBFCs, microfinance lenders, insurance distributors and fintech teams. Each follows its own products, rules and approval chains, and KYC rules shape how customers are verified. We build to the process your compliance team defines, with a clear log of who did what, so audits start from records rather than folders.
What changes. The everyday problems we hear most, and what fixes them.
TodayLoan files wait for days over one missing document.
With AviralA checklist flags missing documents the moment a file is opened.
TodayField officers collect cash and update registers at night.
With AviralCollections are recorded on a phone, with a receipt on the spot.
TodayNobody sees which borrowers are slipping into overdue.
With AviralOverdue buckets update daily, with follow-ups assigned automatically.
TodayInsurance renewals are missed because reminders live in a notebook.
With AviralRenewal reminders go to customers and agents well before expiry.
A checklist flags missing documents the moment a file is opened.
- Loan originationOn
- KYCOn
- Loan servicingOn
- CollectionsOn
What's included. Shaped around your process. You only pay for what you need.
Loan origination
- Applications from app, web or branch
- Document checklist per product
- Credit rules and approvals
KYC
- Identity and document checks
- Steps set by your policy
- Audit trail on every check
Loan servicing
- EMI schedules and interest
- Part payments and foreclosure
- Statements on request
Collections
- Overdue buckets and follow-ups
- Field collection app with receipts
- UPI and auto-debit payments
Insurance distribution
- Policy records by customer
- Renewal reminders
- Commission tracking by agent
Customer app
- Loan status and EMIs
- Pay dues by UPI
- Service requests and documents
One loan, from application to closure. Every step logged for audit.
Applied
Through the app, a partner or a branch.
Verified
KYC, documents and credit check completed.
Approved
Credit rules applied, exceptions sent for sign-off.
Disbursed
Funds released, EMI schedule shared with the borrower.
Collected
EMIs tracked, overdues followed up, loan closed.
Spreadsheets vs a connected lending system
| Task | Spreadsheets and files | Connected system |
|---|---|---|
| Document collection | Chased on calls | Checklist with upload links |
| Credit decision | Files passed over email | Rules and approvals on one screen |
| Field collections | Paper receipts | App receipts, synced the same day |
| Overdue tracking | Month-end review | Daily buckets with follow-ups |
| Audit | A hunt through folders | Every action logged |
What decides the cost. Every project is priced on its scope, in writing, before work starts.
- Loan products and the rules each one follows
- KYC, verification and bank integrations required
- A field collection app and its offline needs
- A borrower app for payments and service requests
- Reporting needs for management, lenders and auditors
Connects to what you already use.
- KYC and verification services
- Credit check services
- Lending partner systems
- UPI and auto-debit
- Razorpay
- Tally
Questions we get asked.
How do you handle regulatory requirements?
We build to the process your compliance team defines, including KYC steps and record keeping. Regulatory responsibility stays with your organisation, and clear logs support your audits.
Can it work offline for field staff?
Yes. The field app records collections and visits without signal and syncs when the phone reconnects.
Can it connect to verification and credit check services?
Yes. We integrate with the providers you already work with.
How is data security handled?
We use role-based access, encrypted connections and audit logs. Security needs are agreed with your team during planning.
Can we start with collections only?
Yes. Many lenders start with the part that hurts most, often collections, and add origination or a borrower app later.
Related.
See it running on your data.
Send a few details. We'll call, ask how you work today, and show you the parts that matter to you.
Prefer to talk now? Call +91 83830 08380