India’s Insurance Distribution Reset 2026
As insurance digitizes, legacy PAS are becoming constraints. This eBook looks at rethinking PAS as a configurable, decision-driven platform for...
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LENDING PAAS
Modernize Loan Origination and Credit Decisioning with a no-code lending platform
Drive growth with a lending platform as a service that lets you streamline loan journeys, aggregate and validate borrower data, and automate credit decisions without IT dependency.
Why lenders switch from a traditional
LOS to a lending PaaS
Configure Unlimited Loan Journeys Without Code
Design and launch multiple, customized loan journeys aligned to your business needs and fully configurable from day one.
Make Credit Scoring Inclusive
Leverage both conventional and alternate data to assess risk more accurately and expand credit access.
Get Complete Transparency
Gain granular, application-level visibility with a white-box framework—ideal for audit, compliance, and internal policy reviews.
Lend Faster with End-to-End STP
Automate loan origination and enable straight-through processing to eliminate manual intervention and slash turnaround times at all stages.
Accelerate your sales engine with zero code lending platform
Bring loan origination, credit business rules, and workflow management together on a single lending PaaS. Configure products, automate credit decisions, and manage lending workflows without IT dependency, so your teams can launch and adapt faster.
Loan Origination System
Design loan journeys with custom flows for self or seller-assisted loan application, easy data capture, and verified insights from traditional and alternate sources – via browser or mobile app.
Configure end-to-end loan journeys on a no-code lending platform, from self-serve and seller-assisted applications to data capture and verified insights from traditional and alternate sources.
Auto-fetch and validate KYC, bureau scores, banking data, and more through pre-integrated APIs
Leverage advanced insights from partner/owned models like socio-economic profiles, GSTN, psychometrics, and mobile intelligence
Business Rules Engine for Lending
Build and manage credit decisioning on a zero code lending platform with configurable credit rules, scorecards, and assessment frameworks.
Design and run multiple credit frameworks
from a single hub
Set rules for Straight Through Processing
(STP) or NSTP
Score applications instantly and serve personalized
offers across lenders from one platform
Make loan disbursals faster and
compliant with pre-integrations
You have enabled us to do to 2 wheeler loans, what Bajaj Finserv has done to CD loans.
Suresh Therakam
AGM & Head Distribution Operations & Training
0
Billion
Value applications
processed per month
processed per month
0
%
faster loan application
processing
processing
$
0
M
Payouts processed
per annum
per annum
Workflow Management
Streamline and scale your lending operations with flexible workflows tailored to your products, geographies, and partner ecosystem.
Set up multiple “tailored” workflows, enabling lenders to serve micro-markets, not monoliths
Easily configure workflows across Sales, Credit, and Ops with granular tracking at each step for faster issue resolution
Supports complex sequencing—from pre assessment to disbursal—with microservices architecture
Bring flexibility to
your lending PaaS
Whether it's setting up a custom loan journey or ingesting data from
new alternate data sources, IncrediHub gives you the power to
continuously optimize without IT dependency.
Customizable
journeys & rules
Out of the box integration
with popular bureaus
Built for self-serve loan
application and seller-assisted
No-code lending platform
for all lending requirements
Build, launch, and manage diverse lending products on one flexible lending PaaS.
Business Loans
Configure self-serve or assisted loan journeys, automate credit decisioning, and manage workflows for faster business loan processing.
Gold Loans
Configure product-specific journeys, credit rules, and workflows to manage gold lending efficiently while adapting processes without IT dependency.
Supply Chain Finance
Manage complex supply chain finance journeys with configurable workflows, credit rules, and integrations built for faster, more efficient lending.
1. What is IncrediHub?
IncrediHub is a lending Platform-as-a-Service from WonderLend Hubs that combines a Loan Origination System, a Credit Business Rules Engine and workflow management in one no-code platform. Banks, NBFCs and fintech lenders use it to configure loan journeys, automate credit decisions and run straight-through processing from application to disbursal — without IT dependency.
2. What is the difference between a lending PaaS and lending SaaS?
SaaS gives you a fixed application you configure within the vendor’s limits. A lending PaaS gives you the platform layer where loan journeys, credit rules and workflows can be built and rebuilt DIY by your own business users as products change. For lenders launching new products or entering new segments, the PaaS model removes the vendor change-request queue. Know why lending PaaS is better than lending SaaS.
3. Is IncrediHub genuinely a no-code lending platform?
Yes. Loan journeys, credit rules, scorecards, assessment frameworks and workflows across Sales, Credit and Ops are configured through a visual interface by business users — credit and product teams — without IT involvement. Engineering is needed only for initial system integrations. Policy changes ship in days instead of entering an IT backlog.
4. Which lenders use IncrediHub?
IncrediHub is used by Banks, NBFCs, and fintech lenders across business loans, gold loans, secured and unsecured lending, and supply chain finance.
5. How long does IncrediHub take to implement?
Typically, 2–4 months per product, depending on the number of new integrations required. Once implemented, the no-code platform and managed service model minimize ongoing back-and-forth
6. How is IncrediHub priced?
Unlike legacy solutions, you pay based on size and usage, not fixed assumptions as per IncrediHub’s pay as you go pricing. The implementation fee is spread across your monthly subscription, with pricing linked to the number of loan applications sourced each month, plus an upfront kickoff fee based on the product’s size and complexity.
7. Where is our data hosted and is IncrediHub compliant with Indian regulations?
Data is hosted on AWS in the nearest available region, such as Mumbai for India. IncrediHub complies with applicable Indian regulations and integrates with leading credit bureaus including CIBIL, Equifax, and CRIF. Its zero trust security comprises ISO 27001:2022 and AICPA SOC 2 certification, with AES encryption, role-based access, audit trails, and regular security reviews to protect data.
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