Lending software built in weeks. Not quarters.
Onboarding, KYC routing, credit decisioning, disbursement tracking, and bureau report rendering — designed pragmatically, shipped fast.
We build lending software the way operators actually need it: lightweight state-machine workflows, PostgreSQL, n8n orchestration, and WhatsApp for customer touchpoints. Not Salesforce. Not a 12-quarter enterprise platform. We cover the full credit bureau stack — CIBIL, CRIF, Equifax, consumer and commercial — and the derived insight layer that makes those reports actually useful.
What we actually build
- →Customer onboarding and KYC verification routing
- →Document collection pipelines with WhatsApp / SMS chasing
- →Credit decisioning workflows (rule-based + LLM-assisted)
- →Multi-bureau credit report dashboards (CIBIL / CRIF / Equifax)
- →Derived insights: capital utilization, account tenure, DPD bucketing, year-on-year trends
- →Disbursement and collections tracking
- →Operational dashboards without custom admin panels
The reference architecture
Our reference architecture for lending
A lightweight stack that handles the actual complexity of lending operations without dragging an enterprise platform along.
- 01
Customer application + KYC
Web or WhatsApp-initiated application. KYC verification routed through whichever provider you use. State persisted in PostgreSQL with a state-machine model.
- 02
Document collection
n8n flows chase missing documents over WhatsApp and SMS — automatically, with backoff and SLA awareness. Ops doesn't manually follow up.
- 03
Bureau fetch + normalization
CIBIL / CRIF / Equifax responses are ingested, schema-normalized, and stored. Derived insights computed on top: utilization, tenure, DPD, year-on-year trends.
- 04
Credit decisioning
Rule-based decision tree, optionally augmented with LLM-assisted reasoning for borderline cases. Every decision is auditable.
- 05
Disbursement + tracking
Disbursement triggered programmatically. Collections, repayment, and DPD tracking flow back into the same model.
Credit bureau coverage
We've shipped against all three Indian bureaus, in both consumer and commercial flavors, and we know where each one lies about itself.
CIBIL
Consumer (CIR) and Commercial (CCR). We map account history, enquiries, and DPD into a normalized model your team can actually query.
CRIF High Mark
Consumer and Commercial. We've handled the response variants, microfinance segments, and the historical enquiry quirks.
Equifax
Consumer and Commercial. Different XML/JSON shape, same destination — our internal normalized credit model.
The derived insight layer
On top of normalized data: capital utilization, account tenure distribution, DPD bucketing, year-on-year credit trend curves. Branded dashboards your team can hand to a borrower.
Featured case study
Multi-bureau credit dashboards for a lending startup
Unified CIBIL, CRIF, and Equifax responses (consumer + commercial) into branded dashboards with derived utilization, tenure, and DPD insights.
Tech we use here
"Most lending platforms are overbuilt. We pick the smallest stack that survives production — and let you replace one piece at a time when you actually outgrow it."
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