FinTech & Lending
Loan origination, KYC, scoring and disbursal platforms built for Indian regulatory reality — audit-ready by design, not as an afterthought.
What slows FinTech & Lending teams down
Indian lending runs on tight timelines and tighter scrutiny. We build origination, underwriting and servicing platforms that automate KYC and bureau pulls, enforce maker-checker controls on every money movement, and keep an immutable audit trail your auditor — and the regulator's — can walk end to end.
Running on spreadsheets instead costs lenders at the worst moment: a file stuck in manual KYC for days loses the customer to a faster competitor, disbursal and collection data scattered across sheets means nobody can produce a clean NPA number on demand, and audit prep that takes weeks pulls the credit team off lending just to answer a sampling request.
We've shipped this exact discipline as our own product — Dream Loans — so co-applicants, deviation approvals, part-disbursals and NPA classification arrive already solved. A thin slice from application to decision is typically live in three weeks, and processing time falls by 65% once the pipeline replaces the spreadsheet.
Built for the rules
- RBI digital-lending guidelines
- CKYC / Aadhaar e-KYC
- CIC bureau integrations (CIBIL, Experian)
- DPDP Act consent handling
- Audit-grade logging
Outcomes we deliver here
The systems FinTech & Lending teams run on after we ship — measured, owned and supported.
Systems we deliver for FinTech & Lending
Each of these has shipped for a client in this sector or one adjacent to it — customised to the workflow, not sold as a template.
Loan origination system
Application intake, KYC, bureau pulls, configurable credit policy and maker-checker approvals.
Loan management & collections
Disbursal, EMI schedules, NACH mandates, NPA classification and collections workflows.
DSA & co-lending portals
Partner lead submission, status transparency and commission or split tracking.
Customer app & servicing
Statements, payments, foreclosure requests and document downloads on the borrower's phone.
FinTech & Lending — questions buyers ask us
Can you build for RBI digital-lending guidelines?
Yes — consent logging, disclosure screens, maker-checker on every money movement and immutable audit trails are architectural defaults in our lending builds, not add-ons.
Do you integrate with bureaus and KYC providers?
CIBIL and Experian pulls, Aadhaar and PAN verification, e-sign and NACH mandates are standard integrations we have shipped in production.
How long does an origination platform take?
A thin slice — application to KYC to decision — is live by week three; a full origination-to-disbursal platform typically reaches production in 8–12 weeks.
How we can help
The products we sell and the consulting we deliver in FinTech & Lending — one accountable team across all of them.
Book a scoping call with a software architect — not a sales bot.
You'll get a reply within one business day. We'll send a rough estimate in 3 days and a fixed proposal in 7.
Prefer to talk first? Phone, email and office address are on the contact page.