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LOAN ORIGINATION SYSTEM

Power up your lending with Loan Origination System for Banks and NBFCs

Manage your entire loan application lifecycle on a no code loan origination software that lets you build loan journeys, aggregate and verify borrower's financial data, and manage pre-disbursal with ease.

Application Management
Application Management
Aggregation Management
Aggregation Management
Pre-Disbursal
Pre-Disbursal
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Loan Application Management

Make the application management process in your digital loan origination platform easy for your borrowers

Build flexible loan journeys

Whether borrowers apply directly or through your seller or channel partners, easily adapt to both with complete control on the loan journey.

  • Deliver via any device
    Access effortlessly across mobile and desktop.
  • Capture details via front end
    Collect borrower information through a tailored interface.
Collect complete borrower information in one go—from personal and demographic details to requested loan specifics and basic financial data. Ensure every application is accurate, compliant, and ready for faster processing.
Loan Application Management

Make the application management process in your digital loan origination platform easy for your borrowers

Build flexible loan journeys

Whether borrowers apply directly or through your seller or channel partners, easily adapt to both with complete control on the loan journey.

  • Deliver via any device
    Access effortlessly across mobile and desktop.
  • Capture details via front end
    Collect borrower information through a tailored interface.
IncrediHub borrower detail capture screen for personal, demographic and loan data
Collect complete borrower information in one go—from personal and demographic details to requested loan specifics and basic financial data. Ensure every application is accurate, compliant, and ready for faster processing.
L&T Finance logo – IncrediHub loan origination customer.

You have enabled us to do to 2 wheeler loans, what Bajaj Finserv has done to CD loans.

Dirk Pereira,
CEO
Loan Aggregation Management

Collect, collate, and verify loan applications on the best loan origination software for banks

Verify Identity with KYC
Seamlessly fetch and validate borrower identity using real-time KYC checks, built into your loan journey.
Access instant credit scores with ready integrations to top bureaus like CIBIL, Equifax, and CRIF.
Fetch and analyze digital bank statements directly from source to assess income, spending patterns, and repayment capacity.

Go beyond traditional credit checks with alternate data signals that help assess borrower intent, stability, and capacity—especially for new-to-credit or underserved segments.

  • Socio-Economic Profile Score
  • Psychometric Profile Score
  • GSTN Insights
  • Mobile Intelligence
  • Tax returns
Ingest data the way that works best for your operations—whether it’s through direct database access, secure web services, or simple file uploads. Additionally, our wide range of pre-integrated services reduce time and cost for custom development, and yet retains the agility to quickly ingest new integrations.
Loan Aggregation Management

Collect, collate, and verify loan applications on the best loan origination software for banks

Verify Identity with KYC
IncrediHub screen aggregating bureau, KYC and bank statement data for one application
Seamlessly fetch and validate borrower identity using real-time KYC checks, built into your loan journey.
Incredihub Credit score dashboard displaying bureau details between CIBIL and CRIF logos.
Access instant credit scores with ready integrations to top bureaus like CIBIL, Equifax, and CRIF.
Incredihub bank account summary UI displaying State Bank of India details.
Fetch and analyze digital bank statements directly from source to assess income, spending patterns, and repayment capacity.
IncrediHub GST insight dashboard displaying filing dates and tax details.

Go beyond traditional credit checks with alternate data signals that help assess borrower intent, stability, and capacity—especially for new-to-credit or underserved segments.

  • Socio-Economic Profile Score
  • Psychometric Profile Score
  • GSTN Insights
  • Mobile Intelligence
  • Tax returns
IncrediHub data integration diagram showing web, verification, upload, and CIBIL.
Ingest data the way that works best for your operations—whether it’s through direct database access, secure web services, or simple file uploads. Additionally, our wide range of pre-integrated services reduce time and cost for custom development, and yet retains the agility to quickly ingest new integrations.
IncrediHub loan origination system for banks and NBFCs
Loan Pre-disbursal

Complete the entire loan approval process, from application to pre-disbursal, easily on a loan origination system for NBFCs India.

Automate operations after loan approval with workflows
Run pre-disbursal activities through streamlined, rule-based workflows—covering everything from document checks and risk containment fraud checks to fund release.
Give borrowers full loan details upfront for complete transparency before disbursal.
Get loan agreements signed digitally using integrated e-sign solutions. Save time, cut paperwork, and give borrowers a frictionless, fully digital experience.
Collect EMIs seamlessly by activating auto-debit mandates through e-NACH. It’s quick, secure, and eliminates the need for manual payment tracking.
Loan Pre-disbursal

Complete the entire loan approval process, from application to pre-disbursal, easily on a loan origination system for NBFCs India.

Automate operations after loan approval with workflows
IncrediHub pre-disbursal workflow interface listing loan application details.
Run pre-disbursal activities through streamlined, rule-based workflows—covering everything from document checks and risk containment fraud checks to fund release.
Incredihub loan origination system displaying key facts statement and loan
Give borrowers full loan details upfront for complete transparency before disbursal.
Digital personal loan agreement for IncrediHub loan origination
Get loan agreements signed digitally using integrated e-sign solutions. Save time, cut paperwork, and give borrowers a frictionless, fully digital experience.
e-NACH. It’s quick, secure, and eliminates the need for manual payment tracking.

Loan Origination System Solutions

Business Loans

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Gold Loans

Learn More

Supply Chain Finance

Supply Chain Finance
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FAQs

Q1. What is a loan origination system (LOS)?

A loan origination system manages a loan application from submission through to pre-disbursal. It captures borrower details, aggregates the credit, identity, banking and alternate data needed to assess the application, applies the lender’s credit rules to produce a decision, and runs the pre-disbursal steps that follow approval — document checks, agreement signing and repayment mandate setup.

An LOS handles everything up to pre-disbursal; a loan management system (LMS) handles everything after it — servicing, repayment tracking, delinquency and closure. They are usually separate systems that exchange data at the point of disbursal. IncrediHub is an origination platform and integrates with the LMS a lender already runs.

IncrediHub has ready integrations with CIBIL, Equifax and CRIF, returning credit scores in real time within the application journey. Bureau data is aggregated alongside KYC verification, digital bank statement analysis and alternate data signals so that a full assessment picture is assembled before the credit rules run.

Yes. Alongside bureau data, IncrediHub aggregates alternate data signals including socio-economic profile scores, psychometric profile scores, GSTN insights, mobile intelligence and tax returns. These are designed for new-to-credit and underserved segments where a bureau score is thin or absent, and they assess intent, stability and repayment capacity rather than repayment history.

Data can be ingested through direct database access, secure web services or file upload, depending on what suits the lender’s operations. Pre-integrated services for bureaus, KYC, bank statement analysis, e-sign and e-NACH reduce the custom development normally required.

Pre-disbursal operations run as rule-based workflows: document verification, fraud and risk containment checks, key fact statement disclosure to the borrower, digital loan agreement signing through integrated e-sign, and auto-debit mandate setup through e-NACH. Automating this stage is where most lenders recover turnaround time, because it is typically handled outside the origination system.
Yes. Stages, statuses, data sources and required fields are configured per product and per channel, so a two-wheeler loan applied for through a dealer partner can follow a different journey from a personal loan applied for directly. Journeys are built through configuration rather than code, so a new product does not require a development cycle.
IncrediHub offers both within the same platform. Borrowers can apply directly across mobile and desktop, or applications can be submitted by sellers and channel partners through a tailored front end. This matters for lenders running dealer, DSA or embedded finance distribution alongside their own digital channels, where the alternative is maintaining separate systems per channel.
They are stages of one process. Loan origination captures the application and assembles the data; credit business rules management evaluates it against configured rules and scorecards and routes it straight-through or to an underwriter; workflow management orchestrates the approvals and operational steps around both.

IncrediHub’s loan origination system pricing follows a pay-as-you-go model, based on monthly loan applications, product size and complexity rather than fixed assumptions. The IncrediHub Loan Origination System is part of the IncrediHub Lending PaaS suite, with implementation costs spread across the monthly subscription plus an upfront kickoff fee.

See IncrediHub’s loan origination system can grow your business

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