Lending & loan origination software services
We build LOS, LMS and digital lending stacks — from instant-personal-loan apps to SME, BNPL and supply-chain finance platforms.
Originate, underwrite, disburse, collect
- Personal loan disbursal
- <4 min
- Lower NPA via early-warning
- 38%
- NACH success rate
- 99.9%
The lending problems software finally fixes
Every industry has its own gravity well of pain. Here is where lending teams typically lose the most time, money and trust — and where we focus first.
Slow underwriting
Manual review of bureau, bank-statements and KYC turns hours into days.
Collections leakage
Without early-warning, the right customer gets the wrong call at the wrong time.
Compliance complexity
RBI digital lending guidelines, FLDG, KYC, recovery norms — all moving.
Channel proliferation
DSAs, embedded partners, branches — each with their own SLAs and quirks.
Capabilities purpose-built for your domain
Six things teams typically ask us to build first — each shipped to production, not demo, quality.
Loan origination (LOS)
Onboarding, eKYC, AA-driven income, bureau, BRE and credit decisioning.
Loan management (LMS)
Disbursement, NACH/UPI mandates, repayment, foreclosure and EMI re-schedule.
Underwriting & BRE
Configurable BRE, bank-statement analysis, alternate-data scoring, model ops.
Digital collections
Early-warning, segmentation, multi-channel campaigns, agent app and recovery.
BNPL & embedded
Merchant SDKs, real-time decisioning, settlement and reconciliation.
Partner / DSA portals
Lead onboarding, KYC, payouts, performance dashboards and SLAs.
Technologies for lending systems
Built audit-ready
We design with the relevant frameworks in mind from architecture through production hand-off.
How we deliver in lending
Lending lives or dies on cycle time, default rates and unit economics. Our designs aim at all three with smart underwriting, observable collections and fast disbursal.
Krapton has built lending tech for NBFCs, banks, fintechs and embedded-finance partners with bureau, AA, eKYC and bank-statement integrations baked in.
01
Product design
Define product, segment, risk appetite and channel mix.
02
Underwriting model
BRE rules + ML scorecards + AA / bureau / BSA inputs.
03
Build
Onboarding → underwriting → disbursal → repayment vertical slice.
04
Compliance
RBI digital lending guidelines, FLDG, audit trails, recovery norms.
05
Operate
Champion/challenger models, monthly portfolio reviews, NPA controls.
Lending software — questions teams ask us
Are you compliant with RBI digital lending guidelines?
Yes — LSP/DLA flows, KFS, transparent disclosure, cooling-off, grievance and FLDG accounting are baked in.
Do you integrate Account Aggregator and bureaus?
We integrate with Setu, Sahamati, OneMoney, Perfios and CIBIL/Experian/Equifax/CRIF for income, bureau and BSA.
Can you build collections that reduce NPAs?
Early-warning models, segment-based campaigns, optimal-time-to-call and skip-tracing reduce 30/60/90 buckets measurably within two cycles.
Other verticals we build for
Ready to build for lending?
Tell us where it hurts most. We will reply within 24 hours with a tailored discovery plan.
- Free NDA
- Response in 24h
- No commitment