Finpage offers a fully digital platform for individual lending, streamlining the entire loan lifecycle from onboarding and credit assessment to disbursement and repayment. With automated workflows, real-time decisioning, and built-in compliance, lenders can reduce turnaround time, lower credit risk, and deliver seamless borrower experience. The platform is scalable, secure, and adaptable to diverse lending models, supporting Business Loans for micro and small enterprises, Joint / Guarantor Loans for business partners backed by third-party guarantees, and Individual Loans tailored to salaried or self-employed borrowers.
Finpage’s Individual Lending (IL) model is a fully digitized, modular solution designed to streamline and optimize the entire lending lifecycle, from lead generation to loan closure. Anchored by a robust Loan Origination System (LOS) and Loan Management System (LMS), it offers lenders complete control with intelligent credit assessment, flexible product configuration, and risk-based pricing. The platform supports field mobility through mobile apps, ensures compliance with RBI guidelines via built-in checks and audit trails, and enables seamless integrations with credit bureaus, payment gateways, and core banking systems. With cloud-based scalability, e-NACH support for automated repayments, and customizable workflows, Finpage empowers financial institutions to deliver efficient, secure, and customer-centric individual lending experiences.
Digitizes the entire lending journey from lead generation to loan closure with, automated workflows and seamless integrations.
Uses customizable rules to assess borrower profiles accurately, enabling data-driven decisions and reducing default rates.
Supports dynamic interest rates, repayment schedules, and eligibility criteria, giving lenders full control to tailor products.
Mobile apps empower field agents to create leads, capture KYC, collect repayments and more.
Ensures regulatory alignment with built-in checks, audit trails, and automated reporting in line with RBI guidelines.
Cloud-native platform that scales effortlessly, with high performance, security, and uptime.
Easily connects with credit bureaus, payment gateways, core banking systems, and other third-party services via APIs.
Enables automated, secure, and recurring repayments through electronic mandates, improving collection efficiency.
Allows lenders to optimize interest rates based on borrower risk profiles, enhancing portfolio performance and profitability using BRE.
Finpage offers a modular solution for Individual Lending, built around two core systems: the Loan Origination System (LOS) and the Loan Management System (LMS), with integrated Loan Accounting capabilities. Together, these systems provide complete control over the IL lending lifecycle—from onboarding to repayment.
Loan Origination System (LOS)
Loan Management System (LMS)