India's lending rails, pre-wired
Every provider is configured per entity from one integrations screen — swap rails without touching your workflow. Your accounts, your keys, encrypted at rest.
Know your customer, on camera and on record
Government-source documents plus recorded video verification — every identity check filed on the lead, ready for review.
Recorded video sessions with liveness scoring, face match against the applicant’s documents and capture location. Your credit team reviews and approves every session from the lead’s KYC tab — with a video-only re-request when an address needs a second look.
Pulls PAN and Aadhaar as source documents straight from the government’s DigiLocker — no photographed photocopies. Details land on the lead file and are cross-checked against the application before underwriting begins.
One partner for PAN detail fetch, penny-drop bank account verification, face match and DigiLocker-backed Aadhaar. Loano uses it to verify both the borrower and the payout account before a rupee moves.
Every bureau, one underwriting screen
Score and report pulls land directly on the lead — logged, stored and readable without leaving Loano.
Live CIR360 pulls return the score, a structured report and a downloadable PDF for every applicant. Results are stored on the lead with a detail drawer, so underwriters read the full report right beside the application.
CIBIL score and report pulls wired into the same underwriting screen — captured, logged and attached to the lead. Bureau-based approval gates in the automated portal can key off the result.
Direct Experian pulls for entities that hold their own Experian membership, running alongside the other bureaus. Every pull is logged with the raw response for audit and later re-reads.
A mobile-number-first Experian pull through KYC Kart — useful early in the funnel, before full documents arrive. Returns the report as a PDF plus structured data that feeds the same underwriting view and approval gates.
Money-in rails that post back on their own
Links, mandates and auto-debit — collections reconcile onto the loan the moment the borrower pays.
Loano’s most complete money-in rail: payment links, eNACH mandate registration, scheduled auto-debit charges and refunds. Real-time webhooks post collections back onto the loan the moment the borrower pays.
Gateway rail for collecting EMIs, overdue amounts and pre-closure through hosted payment pages. Runs alongside the other gateways, so each entity picks the rail that suits its banking relationships.
Payment gateway plus eNACH mandate support as an alternative collection stack. Configured per entity, so one brand can run Easebuzz while a sister brand stays on Cashfree.
Digital NACH mandate registration through net-banking or debit card, authorised by the borrower in minutes. Mandate caps and frequency are derived server-side from the sanctioned terms — the same defaults in CRM and portal.
Paperless agreements, disciplined payouts
Aadhaar-signed loan documents and maker-checked disbursals — the two moments where discipline matters most.
Aadhaar-OTP e-signature on the loan agreement, KFS and sanction letter — signed without paper or courier. The signed pack is filed on the lead with a full trail of who signed what, and when.
Disbursal payout files generated for ICICI corporate banking, with maker-checker approval before anything is released. Loano computes the net-disbursal amount; your banking team executes and confirms on the record.
Every channel, every send on the log
SMS, WhatsApp and email rails behind one notification centre — templates, send logs and per-role sender addresses.
Transactional SMS for OTPs, payment reminders and status updates, sent from your registered sender ID with DLT templates. Every send is logged against the borrower for later reference.
Template-based WhatsApp messages to disbursed borrowers — payment links, due-date nudges, settlement offers. Sent from the notification centre with the full send log alongside email and SMS.
Transactional email rail with per-tenant sending domains and tokens. Slots into Loano’s per-role sender addresses, so sanction, disbursal and collection emails each come from the right desk.
High-deliverability email with DKIM-verified sending domains provisioned per brand. One of four interchangeable email rails — switch providers without touching a single template.
Managed email delivery with domain verification and suppression handling. Runs the same template library and send logs as every other rail, so swapping in or out is a configuration change.
Plain SMTP for entities that want email through their existing mail server or provider. Point Loano at your host and credentials and the whole notification centre works unchanged.
How activation works
No integration projects, no vendor calls in the middle of your rollout — providers switch on from one screen.
Each brand on your account can run a different stack — one entity on Cashfree and Equifax, a sister brand on Easebuzz and Experian.
Your stack, your keys
Bring your own provider accounts — we wire them into the lifecycle in one sitting.
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