Complete Lending Infrastructure
AOPAY business lending platform provides everything you need to launch and scale your lending operations. From automated credit decisioning to compliance management, we've built a comprehensive solution that reduces time-to-market and operational costs.
Whether you're a traditional bank digitizing operations, an NBFC scaling loan volumes, or a fintech startup launching lending products, our platform adapts to your specific business model and regulatory requirements.
Core Features of AOPAY Customer Verification API
Everything you need for modern digital lending operations in one comprehensive platform.
Loan Origination
Streamline application intake with customizable forms, document collection, digital signatures, and automated workflows. Support multiple loan products and borrower types seamlessly.
Automated Underwriting
Credit decisioning engine analyzes financial data, credit scores, bank statements, and alternative data to provide instant loan approvals with configurable risk rules.
Credit Assessment
Comprehensive creditworthiness evaluation using bureau data, financial statements, cash flow analysis, and proprietary scoring models for accurate risk assessment.
Instant Disbursement
Automate loan disbursement to borrower bank accounts with integrated payment systems. Support multiple disbursement methods including NEFT, RTGS, IMPS, and UPI.
Loan Servicing
Manage entire loan lifecycle including EMI collections, payment reminders, late fees, prepayments, restructuring, and account maintenance with automated workflows.
Portfolio Management
Real-time portfolio analytics, risk monitoring, delinquency tracking, and performance dashboards to optimize your lending book and minimize credit losses.
Collections Management
Automated collection workflows, payment reminders via SMS/email/WhatsApp, dunning strategies, and agent assignment for efficient recovery operations.
Compliance Engine
Built-in regulatory compliance for RBI guidelines, KYC/AML requirements, data privacy regulations, and audit trails for complete regulatory adherence.
Mobile & Web Apps
White-label borrower and agent mobile apps for iOS and Android. Responsive web portals for seamless omnichannel lending experience.
How AOPAY Business Financing Platform Works
Streamline your entire lending operation with our automated workflow engine.
Application & Onboarding
Borrowers apply online or via mobile app. Platform automatically collects documents, performs KYC verification, and validates information through integrated APIs.
Credit Assessment
Automated underwriting engine analyzes credit bureau data, financial statements, bank statements, and GST returns to generate credit scores and loan recommendations.
Approval & Documentation
Configurable approval workflows route applications to appropriate decision makers. Generate loan agreements, collect digital signatures, and maintain complete audit trails.
Disbursement & Servicing
Instant loan disbursement to borrower accounts. Automated EMI scheduling, payment collection, account statements, and customer communication throughout loan tenure.
Why Choose AOPAY Business Financing Platform?
Built for modern lenders who demand speed, scalability, and regulatory compliance.
Faster Time-to-Market
Launch lending products in weeks, not months, with pre-built modules and configurable workflows.
Reduced Operational Costs
Automate 80% of manual processes, reducing cost per loan by up to 60%.
Scalable Architecture
Cloud-native platform handles growing loan volumes without performance degradation or infrastructure investments.
Improved Decision Accuracy
AI-powered underwriting reduces defaults by 30% through better risk assessment.
Enhanced Customer Experience
Digital-first borrower journey with instant decisions and 24/7 self-service capabilities.
Regulatory Compliance
Built-in compliance with RBI guidelines, AML/CFT regulations, and data protection laws.
API-First Architecture
470+ REST APIs enable seamless integration with existing systems and third-party services.
Real-Time Analytics
Comprehensive dashboards and reports for data-driven lending decisions and portfolio optimization.
White-Label Solution
Fully customizable platform with your branding, workflows, and business rules.
24/7 Support
Dedicated technical support and regular platform updates for peak performance.
Perfect for Financial Institutions
AOPAY loan management system serves lenders across the financial services ecosystem.
Banks
Traditional banks digitize lending operations, launch new loan products, and improve customer experience with automated workflows and instant decisioning.
NBFCs
Non-banking financial companies scale loan portfolios, reduce TAT (Turn Around Time), and maintain regulatory compliance with comprehensive lending infrastructure.
Fintech Startups
Digital lenders launch quickly with ready-to-use platforms, focus on customer acquisition while we handle the technology and compliance complexity.
Digital Lenders
Online lending platforms automate end-to-end operations from origination to collections, scaling efficiently without proportional cost increases.
Loan Aggregators
Marketplaces connect borrowers with multiple lenders, manage loan marketplace operations, and provide white-label lending solutions to partners.
Support for Multiple Loan Products
AOPAY platform supports diverse lending products with configurable terms and workflows.
Working Capital Loans
Short-term financing for business operations, inventory purchase, and cash flow management with flexible repayment terms and quick approval processes.
Term Loans
Long-term business financing for asset purchase, expansion, and capital investments with fixed or floating interest rates and structured EMI schedules.
Invoice Financing
Unlock working capital by financing outstanding invoices. Automated invoice verification, credit assessment, and quick disbursement against receivables.
Equipqment Financing
Asset-backed loans for machinery and equipment purchase with collateral management, depreciation tracking, and asset valuation integration.
MSME Loans
Specialized lending for micro, small, and medium enterprises with simplified documentation, faster processing, and government scheme integration.
Line of Credit
Revolving credit facilities with automated limit management, drawdown tracking, and interest calculation based on utilized amounts.
Platform Architecture
Cloud-Native Infrastructure
Built on AWS/Azure with auto-scaling, high availability, and disaster recovery for 99.9% uptime guarantee and enterprise-grade reliability.
Microservices Architecture
Modular design allows independent scaling of components, easier maintenance, and flexibility to customize specific modules without affecting others.
API-First Design
AOPAY REST APIs enable easy integration with your existing systems, third-party services, and partner platforms for maximum flexibility.
Intelligent Automated Underwriting
AI-powered credit decisioning that reduces processing time from days to minutes.
Multi-Source Data Analysis
Analyze credit bureau reports, bank statements, GST returns, financial statements, and alternative data sources for comprehensive creditworthiness assessment.
Configurable Credit Policies
Define custom credit rules, risk parameters, and approval matrices based on loan products, borrower segments, and risk appetite.
Real-Time Decisioning
Instant credit decisions powered by machine learning models that continuously learn from historical data to improve accuracy over time.
Risk-Based Pricing
Automatically calculate interest rates, processing fees, and loan terms based on borrower risk profile and market conditions.
Regulatory Compliance & Security
Built-in compliance and enterprise-grade security to meet regulatory requirements.
Compliance Management
- RBI lending guidelines compliance
- KYC/AML/CFT regulatory requirements
- Fair lending practices and documentation
- Data privacy regulations (GDPR, DPDPA)
- Complete audit trails and reporting
- Automated regulatory report generation
Enterprise Security
- Bank-grade encryption (TLS 1.3, AES-256)
- SOC 2 Type II and ISO 27001 certified
- Role-based access control (RBAC)
- Multi-factor authentication (MFA)
- Regular security audits and penetration testing
Comprehensive Analytics & Reporting
Data-driven insights for optimizing lending operations and portfolio performance.
Real-Time Dashboards
Executive dashboards showing loan pipeline, approval rates, disbursement volumes, portfolio health, and key performance indicators in real-time.
Portfolio Analytics
Deep dive into portfolio composition, vintage analysis, delinquency trends, credit loss provisions, and risk-adjusted returns.
Predictive Insights
Forecasting for default probability, prepayment likelihood, collection effectiveness, and portfolio profitability projections.
Custom Reports
Build custom reports and export data in multiple formats for regulatory submissions, board presentations, and operational analysis.
Collections & Recovery Management
Automated collections workflows to maximize recovery and minimize delinquencies.
Automated Collection Strategies
Configure multi-channel collection workflows with automated reminders via SMS, email, WhatsApp, and IVR calls. Escalation rules based on delinquency buckets and customer segmentation.
Agent Management
Field collection agent assignment, tracking, and performance monitoring. Mobile apps for agents with offline capabilities and real-time synchronization.
Recovery Tools
- Payment promise tracking and monitoring
- Restructuring and settlement workflows
- Legal notice generation and tracking
- Collateral seizure management
- Write-off and recovery accounting
White-Label Lending Platform
Launch your branded lending business with our fully customizable platform.
Custom Branding
Complete white-label solution with your logo, colors, and branding across web portals, mobile apps, and customer communications.
Configurable Workflows
Customize lending workflows, approval processes, documentation requirements, and business rules to match your operational model.
Multi-Tenant Architecture
Support multiple lending businesses or brands on a single platform with isolated data, configurations, and reporting for each tenant.
Implementation & Support
Comprehensive onboarding and ongoing support for successful platform adoption.
Rapid Deployment
Go live in 1-2 weeks with our proven implementation methodology. Includes system configuration, data migration, integration setup, and user training.
Training & Documentation
Comprehensive training programs for operational teams, IT staff, and management. Detailed documentation, video tutorials, and knowledge base.
24/7 Technical Support
Round-the-clock technical support with dedicated account manager, regular health checks, and proactive monitoring to ensure optimal performance.
Flexible Pricing Models
Choose the pricing model that aligns with your business needs and growth stage.
SaaS Subscription
Cloud-based subscription model with monthly/annual fees. Includes hosting, maintenance, updates, and support. Scale as you grow with flexible plans.
Per-Loan Pricing
Pay only for successful loan disbursements. Ideal for early-stage lenders with variable volumes. No upfront costs, aligned with your success.
Enterprise License
One-time license fee with source code access for large financial institutions. Complete customization freedom and no recurring subscription fees.