LOS & LMS FinAnalyz Lending Suite
Traditional lending processes are often slow, fragmented, and dependent on manual checks, making it difficult for banks and NBFCs to scale efficiently.
FinAnalyz Lending Suite brings a smarter, unified approach with an integrated Loan Origination System (LOS) and Loan Management System (LMS) that digitizes the entire credit lifecycle — from onboarding and verification to disbursement and repayment. With automation, analytics, and compliance at its core, it empowers lenders to approve faster, manage better, and grow confidently.
LOAN ORIGINATION SYSTEM (LOS)
FinAnalyz LOS digitizes every step of the loan journey so lenders can onboard, verify, and approve applications faster with complete transparency and audit readiness, demonstrating its KEY CAPABILITIES.
KYC & Verification
Stack
Aadhaar, PAN, GST, ITR, Bank Statement, CKYC, EPFO, and Bureau checks integrated seamlessly.
Pre-Screening & Application Intake
Capture loan requests digitally from branches, DSAs, or customer portals.
Automated Financial Analytics
Real-time income and expense analysis, cash flow scoring, and eligibility mapping with smart data models.
Underwriting & Rule Engine (BRE)
Customizable credit policies with 350+ parameters, dynamic scoring, and automated decisioning.
Sanction & E-Signing
Instant sanction letter generation with integrated e-sign and e-stamp workflows fo2r faster processing.
Disbursement Workflow
Maker-checker approval, bank account validation, and fund disbursement through integrated CBS or payment rails.
Impact
- Loan TAT reduced from days to minutes
- Up to 60% faster underwriting
- 100% digital audit trail compliant with RBI standards
LOAN MANAGEMENT SYSTEM (LMS)
FinAnalyz LMS delivers smart, secure, and scalable loan servicing by seamlessly managing repayments, collections, restructuring, and closures from a single unified dashboard, with key capabilities mentioned below to enhance automation, accuracy, and customer experience.3.
Customer
Dashboard
Aadhaar, PAN, GST, ITR, Bank Statement, CKYC, EPFO, and Bureau checks integrated seamlessly.
Repayment & EMI Management
Capture loan requests digitally from branches, DSAs, or customer portals.
Delinquency & Collections Module
Real-time income and expense analysis, cash flow scoring, and eligibility mapping with smart data models.
Restructuring & Top-Up Management
Easily modify loan terms, reschedule EMIs, or initiate top-ups with full traceability.
Foreclosure & Settlement
Seamless closure with real-time accounting and digital documentation.
Impact
- Reduction in NPA risk through proactive monitoring
- Automated EMI tracking and reconciliation
- 100% digital audit trail compliant with RBI standards
Built for the Regulated Lending Ecosystem
FinAnalyz LMS delivers smart, secure, and scalable loan servicing by seamlessly managing repayments, collections, restructuring, and closures from a single unified dashboard, with key capabilities mentioned below to enhance automation, accuracy, and customer experience.
Why Lenders Choose FinAnalyz
Built for Bharat-first lenders
Tailored for urban co-ops, RRBs, district co-ops, and small NBFCs a segment often underserved by global players.
Unified LOS + LMS in one platform
A single portal covering the complete loan lifecycle origination, servicing, and collections.
Regulatory-by-design
Embedded RBI audit trails, consent logs, and compliance checkpoints simplify audits and ensure transparency.
Plug-and-play API ecosystem
Over 100 APIs (KYC, GST, ITR, BSA, AA, Bureau) pre-integrated for faster onboarding without heavy IT effort.
No-code configurability
Define credit policies, underwriting rules, and workflows without writing code. Faster go-live: Launch LOS modules in under 90 days, compared to traditional systems that take 9–12 months.8
Cost-efficient for smaller lenders
Flexible transaction-based pricing instead of expensive license-only models.
Cross-sell & upsell engine
Intelligent recommendation logic to help lenders generate additional revenue from existing customers.
Get Started
Schedule a demo and discover how FinAnalyz can help you disburse faster, stay compliant, and serve your customers better.