Co-Lending Software with Source Code License
Transform your lending operations with our comprehensive co-lending solution designed specifically for banks, NBFCs, fintech startups, and digital lenders. Enable seamless bank-NBFC partnerships with complete control over your co-lending infrastructure.
Co-Lending Solution with Source Code
Full access to modify and customize the co-lending solution for your specific partnership models, compliance requirements, and unique business rules. Perfect for banks and NBFCs requiring tailored co-lending workflows.
RBI Compliance & Security Updates
Comprehensive coverage including regular updates for RBI co-lending guidelines, security patches, and compliance enhancements to keep your operations fully regulated.
Specialized Co-Lending Support
Expert guidance from our team with deep expertise in bank-NBFC partnerships, co-lending regulations, and digital lending operations. Comprehensive training for your teams.
Rapid Partnership Activation
Launch co-lending partnerships faster by working with proven, battle-tested infrastructure. Meet critical go-live deadlines while maintaining complete control over customization.
Risk-Free Implementation
Eliminate the complexity of building co-lending infrastructure from scratch. Leverage our pre-built solution with automated loan origination, disbursement, and servicing capabilities.
Continuous Regulatory Updates
Stay ahead of regulatory changes with regular platform updates reflecting the latest RBI guidelines, compliance requirements, and industry best practices for co-lending operations.
Streamlined Co-Lending Workflow Automation
Automate every stage of the co-lending lifecycle from borrower onboarding to loan servicing with our comprehensive solution.
Partnership Setup
Configure bank-NBFC agreements, risk-sharing ratios, and operational parameters with flexible partnership models.
Borrower Onboarding
Unified customer acquisition with automated KYC, credit assessment, and multi-party approval workflows.
Loan Origination
Automated loan application processing, credit decisioning, and agreement generation compliant with co-lending norms.
Multi-Party Disbursement
Seamless fund disbursement with automated split between bank and NBFC as per agreed ratios.
Servicing & Collections
Comprehensive loan servicing with EMI collection, payment allocation, and automated reconciliation.
Settlement & Reporting
Real-time settlement between partners with automated reporting for audit and regulatory compliance.
Comprehensive Co-Lending Features For Borrowers & Lenders
Everything you need to launch and scale co-lending partnerships with automated operations, compliance, and portfolio management.
Digital Borrower Onboarding & KYC
Unified Customer Acquisition
- Self-service loan application portal for borrowers
- Automated document collection and verification
- Integrated KYC/KYB processing with leading vendors
- Multi-party credit assessment and approval workflows
- Real-time application status tracking for all partners
- Consent management compliant with data protection norms
Intelligent Loan Origination & Decisioning
Automated Credit Assessment
- AI-powered credit scoring and risk assessment
- Integration with credit bureaus and alternative data sources
- Customizable underwriting rules for each partnership
- Multi-level approval workflows for bank and NBFC
- Automated loan agreement generation and e-signing
- Real-time decisioning APIs for instant approvals
Multi-Party Disbursement & Payment Processing
Seamless Fund Management
- Single payout for individual loan disbursements
- Bulk disbursement processing for high-volume operations
- Automated fund split as per co-lending ratio
- Payment link generation for borrower collections
- Multi-bank account management and reconciliation
- Real-time payment tracking and settlement
- Escrow account management for compliance
- Automated refund and reversal processing
Comprehensive Loan Servicing & Collections
Portfolio Management & EMI Processing
- Automated EMI schedule generation and tracking
- Multi-channel payment collection (UPI, NACH, cards)
- Intelligent payment allocation between partners
- Delinquency management and collection workflows
- Pre-closure and part-payment processing
- Automated interest calculation and accrual
Regulatory Compliance & Risk Management
RBI-Compliant Operations
- Co-lending guidelines compliance automation
- Priority sector lending (PSL) classification and tracking
- AML/CFT monitoring and suspicious transaction alerts
- Regulatory reporting automation (RBI, credit bureaus)
- Comprehensive audit trail and investigation tools
- Risk exposure monitoring and portfolio analytics
- Fraud detection and prevention mechanisms
Partnership Management & Analytics
Co-Lending Operations Dashboard
- Real-time portfolio performance monitoring
- Partner-wise exposure and contribution tracking
- Customizable reports for banks and NBFCs
- Settlement and reconciliation automation
- Revenue sharing and commission calculations
- Analytics and system health monitoring
Flexible Co-Lending Partnership Models
Bank-Led Co-Lending
Banks partner with NBFCs to leverage their distribution network and underwriting expertise while meeting priority sector lending targets
- ●80:20 or customizable ratio splits
- ●Bank as the lead lender
- ●NBFC sourcing and servicing
NBFC-Led Co-Lending
NBFCs access lower-cost funds from banks while maintaining customer relationships and leveraging their domain expertise
- ●Flexible partnership ratios
- ●NBFC as originator
- ●Bank funding participation
Co-Origination Model
Equal partnership with shared responsibilities for origination, underwriting, and servicing of loan portfolios
- ●Balanced risk-reward sharing
- ●Joint decision-making
- ●Collaborative servicing
Developer-Friendly Co-Lending Solution
Create Co-Lending Partnership
POST /api/v1/colending/partnership/create
{
"bank_id": "BANK001",
"nbfc_id": "NBFC001",
"partnership_model": "bank_led",
"sharing_ratio": { "bank": 80, "nbfc": 20 },
"product_types": ["personal_loan", "msme_loan"],
"psl_eligible": true
}Originate Loan
POST /api/v1/colending/loan/originate
{
"borrower_id": "CUST12345",
"loan_amount": 500000,
"tenure_months": 24,
"partnership_id": "PART001",
"credit_score": 750
}Bulk Loan Disbursement
POST /api/v1/colending/disbursement/bulk
{
"partnership_id": "PART001",
"loans": [
{"loan_id": "LOAN001", "amount": 500000},
{"loan_id": "LOAN002", "amount": 300000}
],
"split_mode": "auto"
}Fully Compliant with RBI Co-Lending Guidelines
Our solution is built from the ground up to comply with the RBI’s Master Direction on Co-Lending, ensuring every partnership remains fully aligned with regulatory standards.
- Priority Sector Lending
- Automated PSL classification
- Fair Practices Code
- Transparent borrower disclosures
- Data Protection
- Secure data sharing protocols
Monetize Co-Lending Partnerships with RBI-Compliant Solution
Partnership Agreement Management
- Flexible partnership terms and conditions configuration
- Multiple co-lending models within single platform
- Automated revenue sharing and commission calculations
- White-label options for bank and NBFC branding
Advanced Fee & Commission Structure
- Customizable processing fees and interest rate splits
- Configurable commission structures for partners
- Automated fee allocation and settlement
- Volume-based incentive calculations
- Dynamic pricing based on credit profiles
Comprehensive Reconciliation & Settlement
- Automated partner settlement processing
- Real-time reconciliation of collections and disbursements
- Multi-party payment allocation and tracking
- Discrepancy identification and resolution workflows
- Regulatory reporting for audit compliance
Portfolio Analytics & Insights
- Real-time portfolio performance metrics
- Partner-wise contribution and risk analysis
- Delinquency tracking and early warning systems
- ROI calculation for co-lending partnerships