LOS
Application → decision → e-sign → disbursal
Loan origination with the Credit Engine wired in. An application flows through knockouts and pricing, becomes a priced offer, gets signed, and reaches disbursal — one workflow, one record, every decision explainable.
Origination, end to end.
- 01
Application intake & product selection
Start from a CRM borrower 360 or a fresh application, and pick the product: 30-day bullet or an EMI personal loan (3, 6, 9, or 12 months). No re-keying what the CRM already holds.
- 02
Credit Engine decision
The application is sent to the Credit Engine inline: eligibility knockouts, then 10-grade risk-based pricing. The grade prices the chosen product — a daily rate for bullet, a monthly reducing-balance rate for EMI.
- 03
Approval & offer
Present the priced offer — rate, limit, tenor — from the grade band. Counter-offer or decline flows carry the engine's reason codes for the applicant notice.
- 04
E-sign
Generate the sanction letter, KFS, and agreement — the EMI variants carry the repayment-schedule annexure — and capture e-signature. Documents are versioned against the loan record.
- 05
Disbursal
Move to disbursal and hand off cleanly to the LMS. For EMI loans the amortization schedule is generated at disbursal and stored per installment. NACH/payment integrations are enabled on onboarding.
From application to money out.
- 01Product selection: 30-day bullet or EMI (3–12 months)
- 02Inline Credit Engine decisioning
- 03Priced offer from grade band (daily or monthly rate)
- 04Amortization schedule generated at disbursal (EMI)
- 05Reason codes for adverse-action notices
- 06Docs with EMI schedule annexure, versioned
- 07E-sign capture
- 08Disbursal hand-off to LMS
See it decide on a real bureau report.
Request a demo and we'll walk you through the Credit Engine and the Suite on your scenarios. Honest about what's live today and what's enabled on onboarding.