Accelerate your loan portfolio with a complete digital lifecycle platform.
AppsGlobal engineers production-grade Loan Management Systems that cover the full lifecycle — origination, underwriting, disbursement, servicing, collections, and reporting — for Retail, Corporate & SME, and Islamic Finance lenders.
25+
Loan Products
3 LOBs
Retail · SME · Islamic
600+ APIs
API-First Stack
Origination Queue
Active Applications
Mortgage · $420k
LN-8842 · KYC Pass
Auto Loan · $32k
LN-8843 · CIBIL 778
BNPL · $1.2k
LN-8844 · Bureau Hit
SME · $180k
LN-8845 · GST Verified
Approval Rate
68%
Avg. TAT
4.2 min
NPA Watch
2.1%
Bureau APIs
CIBIL · Experian · Equifax
Decisioning
Sub-5-min TAT
Built for banks, NBFCs, FinTech lenders, and credit unions
One platform. Every stage of the loan.
From the first customer touch to portfolio reporting — every workflow your loan operations team needs, engineered to scale.
Origination & Onboarding
Digital customer journeys with auto-fill from bureau data, KYC video calls, document OCR, and configurable application forms across every loan product.
Underwriting & Decisioning
Configurable rules engine, automated bureau pulls, alternative-data scoring, and policy-driven auto-approvals with full audit trail.
Disbursement
Multi-rail disbursement (NEFT, RTGS, IMPS, UPI, ACH, SWIFT), partial disbursement schedules, and reconciliation against partner-bank statements.
Loan Servicing
EMI schedule generation, foreclosure, top-ups, restructuring, moratorium handling, and customer self-service portals.
Collections & Recovery
Pre-due reminders, bucket-wise queues, dunning workflows, field agent app, and integration with collection agencies and legal escalation.
Portfolio & Reporting
Real-time dashboards for delinquency, NPA, vintage analysis, regulatory reports (NPA classification, asset quality), and BI-ready data warehouse.
Growth · Reliability · Efficiency
Every Loan Management System we build is anchored in three principles — designed to unlock growth, stand up to regulatory scrutiny, and deliver measurable operational efficiency.
Growth
Diversify and scale your lending book.
Streamlined data capture, complex credit decisioning, and the ability to spin up new loan products quickly — so you can expand into new segments without re-architecting.
Smart Customer Acquisition
Auto-eligibility checks, bureau pre-fill, and third-party data integration for qualitative & quantitative analysis.
Rapid Product Launch
Configure new loan products — terms, eligibility, pricing, documents — without writing new code.
Multi-Channel Onboarding
Branch, web, mobile, partner API, DSA portal — one decisioning engine across every channel.
Reliability
Robust enough for regulator scrutiny.
Rich domain expertise meets battle-tested technology — so you can handle deeper due diligence, structural changes, and uncertainty without breaking your operations.
Robust Architecture
Highly available, fault-tolerant infrastructure designed for the kind of uptime regulated lending demands.
Easy Configurability
Tenure changes, disbursement schedules, contract terms, and policy revisions — configured, not coded.
Audit-Ready Trails
Every decision, override, and customer interaction is logged and queryable, ready for internal audit and regulator inspection.
Efficiency
Decisions in minutes, not days.
Sophisticated digital risk assessment and credit decisioning that compresses time-to-fund without compromising your underwriting quality.
Faster Compliance
Bureau, KYC, AML, and document checks orchestrated in parallel — credit appraisal in minutes, not days.
Risk Early-Warning
NPA early-warning signals, behavioral scoring, and proactive risk flags using continuous data feeds.
Operational Automation
Auto-disbursement, auto-collection, auto-reconciliation — your team focuses on exceptions, not data entry.
Retail Loan Management
A digital LMS purpose-built for retail lending operations — designed to deliver agile, low-cost servicing across personal, secured, unsecured, and embedded loan products.
Digital-first journeys
From application to disbursement in a single mobile session.
Configurable products
Launch new retail products without engineering tickets.
Bureau & alt-data
CIBIL, Experian, Equifax, bank-statement, and GST integrations.
Supported Retail Loan Types
Specialized capabilities for retail lending.
Eight production-grade modules that make AppsLend Retail the fastest path from application to disbursement — engineered for the volumes and conversion rates retail lending demands.
Digital Onboarding & eKYC
Video KYC, Aadhaar e-KYC, Penny-Drop verification, bank-statement analysis, and document OCR — onboarding completed in a single mobile session.
Smart Decisioning Engine
Configurable policy rules, parallel bureau pulls, alternative-data scoring (bank statements, GST, telco), and auto-approval flows with full audit trail.
Dynamic Pricing Engine
Risk-based pricing tied to bureau bucket, segment, tenure, and campaign rules. Quote multiple offers in real-time and personalize at the customer level.
Co-Applicant & Guarantor
Manage multiple applicants, joint-income consolidation, guarantor verification, and split-share approvals — without duplicating customer records.
Insurance & Cross-Sell
Bundle loan-insurance, payment-protection, and asset-insurance at quote time. Built-in cross-sell engine surfaces next-best-product to existing customers.
Self-Service Customer Portal
Mobile and web portals for statement download, EMI calculator, foreclosure quote, part-payment, top-up requests, and document upload — 24×7 with zero ops touch.
Digital Collections & Recovery
Bucket-wise collection queues, pre-due nudges via SMS / WhatsApp / IVR, dunning workflows, field-agent app, and integration with collection agencies & legal escalation.
Bureau Reporting & Vintage Analysis
Automated CIBIL / Experian / Equifax feeds, regulator-format reports, vintage-cohort analysis, and NPA early-warning signals with behavioral scoring.
Retail loans live in under 60 seconds.
For pre-approved customers on supported products, with end-to-end auto-decisioning.
Corporate & SME Loan Management
Multi-branch, multi-product, and multi-lingual implementations for corporate lenders of every size — from working-capital facilities to structured term lending.
Working-capital toolkit
Bill discounting, cash credit, overdrafts, and LC/BG workflows on one platform.
Multi-branch operations
Branch-wise approvals, hierarchical credit committees, and DPN tracking.
Collateral & covenants
Track collateral, valuations, covenants, and periodic reviews automatically.
Supported Corporate & SME Products
Islamic Finance Loan Management
A Sharia-compliant LMS engineered alongside Sharia advisors and regional regulators — for Islamic banks, takaful operators, and conventional banks expanding into Islamic windows.
Sharia-compliant by design
Profit-rate calculations, asset-purchase flows, and contract structures vetted against AAOIFI standards.
Growth across the GCC
Multi-jurisdiction, multi-currency, and multi-lingual ready — Arabic-first UX where required.
Hybrid product mix
Run conventional and Islamic books side-by-side with shared reporting and segregated ledgers.
Sharia-Compliant Products
Sharia-compliant engineering, not just a label.
A purpose-built Islamic Finance module — engineered alongside Sharia advisors and aligned to AAOIFI standards — so your Islamic banking arm runs with the same operational rigor as your conventional book.
AAOIFI-aligned product structures
Murabaha
Cost-plus sale
Ijarah
Lease finance
Tawarruq
Commodity sale
Musharaka
Joint partnership
Mudarabah
Profit-sharing
Istisna'a
Manufacturing finance
Profit-Rate Calculation Engine
Profit-rate (not interest) computations for every Sharia structure — Murabaha cost-plus, Ijarah rentals, Mudarabah profit-share — all auditable to Sharia board review.
Asset-Purchase Orchestration
Manage tripartite agreements between bank, supplier, and customer. Asset acquisition workflows, purchase orders, ownership transfer, and delivery confirmation — all in one ledger.
Sharia Board Workflow
Product certification queue, fatwa documentation, ongoing Sharia advisory routing, and a full approval audit trail — so every product launch has Sharia provenance.
Diminishing Musharaka Home Finance
Joint-ownership home finance with progressive ownership transfer, rental computation on the bank's share, and automated re-balancing schedules over the financing term.
Takaful Integration
Bundle Takaful (Islamic insurance) on financed assets at quote time — life, asset, and family Takaful — with prebuilt connectors to leading Takaful operators across the GCC and SE Asia.
Segregated Accounting & Reporting
Run conventional and Islamic books side-by-side with completely segregated general ledgers, separate profit pools, and Islamic-window regulatory reports.
Zakat & Charity Distribution
Automated Zakat calculations on eligible assets, charity-fund handling for non-Sharia-compliant income purification, and reporting for Zakat-payer disclosures.
Multi-Jurisdiction Templates
Pre-configured product templates for GCC (UAE, KSA, Bahrain, Qatar), SE Asia (Malaysia, Indonesia), Pakistan, and UK Islamic windows — with localized profit calculations and regulator formats.
Arabic-First UX
Native RTL interfaces with Arabic typography, Hijri calendar support, and localized documentation flows — for customer portals, branch operators, and back-office.
Built alongside Sharia advisors.
Every product structure is reviewed against AAOIFI standards. We co-engineer with your Sharia board so the platform doesn't just label products as Islamic — it actually enforces the contracts, asset flows, and profit calculations behind them.
A continuously upgraded, service-oriented architecture.
Our LMS stack is engineered for inherent resiliency — fully scalable, secure by default, and deployable across cloud and on-premise environments.
API Center · 600+ APIs
A self-service API portal with 600+ documented endpoints, OpenAPI specs, and language-agnostic SDKs — for fast partner, channel, and ecosystem integration.
AI Decisioning Engine
AI-powered decisioning purpose-built for lending — credit scoring, document classification, fraud detection, and NPA early-warning signals.
Cloud-Ready Infrastructure
Deploy on AWS, Azure, GCP, or on-premise. Multi-AZ, active-active replication, automated backups, and disaster-recovery drills baked in.
Security & Compliance
AES-256 encryption, key-management vaults, role-based access, immutable audit logs, and continuous controls monitoring against SOC 2 and ISO 27001.
600+ APIs. Every system you already use.
Our LMS plays nicely with the rest of your stack — core banking, bureaus, KYC, payment rails, accounting, and BI.
…and a custom connector for whatever isn't listed.
From discovery to first disbursement.
A milestone-driven engagement — designed so you can see your LMS originate, underwrite, and disburse a real loan inside a quarter.
Week 1–2
Discovery & Product Mapping
Map your loan products, policies, and approval matrices. Audit existing systems and define the integration surface.
Week 3–5
Configuration & Build
Configure product templates, decisioning rules, and channel UIs. Build bureau, KYC, and core-banking connectors.
Week 6–8
UAT & Hardening
End-to-end UAT with your operations team, load testing, security review, and full audit-evidence pack.
Week 9+
Go-Live & Operate
Production cutover with shadow mode, on-call coverage, weekly business reviews, and quarterly optimization sprints.
What a modern LMS unlocks.
Typical improvements our clients see in the first six months of going live.
70%
Faster Time-to-Fund
From application to disbursement
4×
New Product Velocity
Configure vs. code
60%
Lower Operational Cost
Per loan serviced
35%
Reduction in NPAs
With early-warning signals
90%
Auto-Decisioning Rate
For supported retail products
Zero
Audit Findings
Across active deployments
24×7
Customer Self-Service
For statements, EMI, foreclosure
T+0
Reconciliation
With partner banks and rails
Answers for lending teams.
Common questions from heads of credit, lending COOs, and compliance leads.
Have a different question? Talk to usBoth. We start from a configurable LMS foundation — origination, decisioning, servicing, collections, and reporting modules — and customize the product templates, decisioning rules, channels, and integrations to fit your lending policy. You own the deployment and the data.
Yes. The platform is multi-product by design — retail, SME, corporate, and Islamic Finance products run side-by-side with shared customer data, segregated ledgers, and product-specific approval matrices.
Built-in reports cover NPA classification, asset quality, vintage analysis, and regulator-specific formats. The data warehouse is BI-ready so your team can build custom reports in their existing tooling (Power BI, Tableau, Metabase).
Yes. We have prebuilt connectors for major core banking systems (Finacle, Flexcube, T24, BankSphere) and build custom connectors for in-house cores. The LMS can run as a parallel system of record or as the system of engagement on top of your core.
Our Islamic Finance module follows AAOIFI standards — profit-rate calculations, asset-purchase flows (Murabaha, Ijarah, Tawarruq, Musharaka), and segregated accounting. We work with your Sharia advisor during product configuration.
A focused retail-lending deployment can go live in 8–12 weeks. A multi-LOB rollout (retail + SME + Islamic) with deeper integrations typically runs 16–24 weeks. We design the rollout in cohort waves so you start originating real loans on the platform before full feature-parity.
SLA-backed retainers covering 24×7 on-call, dependency upgrades, regulatory updates, new product configuration, and a quarterly business review. Most clients keep our engineering pod for 12–18 months post-launch.
Build the lending platform your customers deserve.
Whether you're modernizing a legacy LMS, launching a new lending vertical, or going digital from day one — we'll respond within one business day with a scoped, fixed-price plan.