Credit & Lending Infrastructure
Launch and manage lending products from origination to collections
Enable lending operations for consumer loans, SME financing, or embedded credit products. This solution covers the full lending lifecycle from application and underwriting through disbursement, servicing, and collections.
Who This Solution Is For
We believe in honest qualification. This solution is designed for specific use cases—not everything.
Designed For
- Banks and financial institutions launching digital lending
- Fintechs building consumer or SME lending products
- BNPL and embedded finance providers
- Microfinance institutions modernizing operations
- Corporates offering financing to customers or suppliers
Not Designed For
- Mortgage or complex secured lending with extensive collateral management
- Syndicated or wholesale lending operations
- Investment or margin lending for securities
What You Can Launch
Concrete use cases enabled by this solution—focused on outcomes, not features.
Consumer Personal Loans
Unsecured personal loans with automated decisioning and digital servicing.
SME & Business Lending
Working capital and business loans with appropriate underwriting and monitoring.
Buy Now, Pay Later (BNPL)
Point-of-sale financing with merchant integration and installment management.
Microfinance & Group Lending
Small-ticket loans with group structures and field collection support.
Credit Lines & Overdrafts
Revolving credit products with dynamic limit management and utilization tracking.
Core Capabilities
Key capabilities grouped by responsibility area—what this solution enables for your business.
Customer-Facing Capabilities
- Digital loan application and document collection
- Real-time eligibility and pre-qualification
- Loan account visibility and self-service
- Repayment scheduling and early settlement
Operational & Control Capabilities
- Credit decisioning and underwriting workflows
- Disbursement and repayment processing
- Collections and recovery management
- Portfolio monitoring and risk alerts
Settlement & Lifecycle
- Interest and fee calculation
- Payment allocation and accounting
- Loan restructuring and write-off handling
Optional & Integration-Dependent Components
Additional capabilities that may apply depending on your specific requirements and context.
External Providers
Third-party services that can be integrated
- Credit bureaus and scoring providers
- Income and employment verification services
- Collections agencies and legal services
- Insurance and guarantee providers
Dependencies
Core infrastructure requirements
- Core banking or ledger for loan accounts
- Payment infrastructure for disbursement/collection
- Customer identity and KYC systems
Region-Specific
Geographic and regulatory considerations
- Consumer lending regulations and disclosures
- Interest rate caps and usury requirements
- Credit reporting obligations
Lending capabilities depend on regulatory licensing, credit data access, and risk appetite alignment.
How This Solution Uses the Platform
Lending infrastructure is built on core platform products for accounts, payments, risk management, and operations.
Security & Compliance
Security is built into every layer of this solution. Here are the key controls and compliance considerations.
View Full Security DetailsSecurity Highlights
- Credit decision audit trails
- Segregation of duties in underwriting
- Consumer data protection compliance
- Fair lending and anti-discrimination controls
- Regulatory reporting automation
- Secure document handling and storage
Delivery & Rollout Considerations
Our approach to implementation focuses on phased delivery and realistic scoping.
Phased Approach
Lending platform implementations typically start with a single product type, establishing origination and servicing before adding additional products and advanced collections capabilities.
What Affects Scope
- Number and complexity of loan products
- Credit decisioning and underwriting requirements
- Integration with credit bureaus and data sources
- Collections and recovery process complexity
- Regulatory and reporting requirements
Lending implementations require careful alignment with regulatory requirements and risk frameworks.
Ready to Explore Credit & Lending Infrastructure?
Let's discuss how this solution can support your business goals. Our team is ready to understand your requirements and explore what's possible.