One workspace from first lead to final rupee
The staff side of Loano: eleven lifecycle modules working one record — origination, underwriting, money movement and governance, with nothing exported between tools.
- One pipeline with round-robin ownership at every stage
- Maker-checker on money, audit trail on everything
- AI copilots beside every desk — your staff decide
Fill the top of the funnel
Every application lands in one pipeline, with identity verified at government source before anyone spends time on the file.
Portal applications, website forms and bulk uploads flow into a single funnel with ownership, follow-ups and scoring built in — so the day starts with the right file, not the newest one.
- Round-robin auto-assignment per stage
- AI lead scoring ranks every queue
- Instant re-loans & structured re-apply
Recorded video with liveness scoring, PAN and Aadhaar pulled straight from DigiLocker, and a face match against the applicant's documents — every check filed on the lead.
- Video KYC with liveness & location
- DigiLocker PAN & Aadhaar, not photocopies
- Document intelligence flags mismatches
Decide with the whole file in view
Bureau, income and KYC on one screen with an AI brief beside it — and paperwork that generates itself the moment you approve.
Bureau report, verified income, obligations and KYC on one screen — with an AI-drafted assessment brief beside it. Your underwriter decides, faster and with more context.
- Equifax, TransUnion CIBIL & Experian pulls
- FOIR & obligations computed live
- Revise terms until money moves
KFS with APR illustration, sanction letter and loan agreement generated at approval on your own templates — and signed from the borrower's phone via Aadhaar OTP.
- KFS with APR illustration at approval
- Per-entity templates & numbering formats
- Aadhaar-OTP e-sign, pack filed on the loan
Move money with discipline
A mandate before disbursal, two pairs of eyes on every payout, EMIs that present themselves — and a separate desk for the hard cases.
Digital NACH registration the borrower authorises in minutes — with caps and frequency derived server-side from the sanctioned terms, so CRM and portal can never disagree.
- Caps & frequency derived server-side
- Umbrella reuse on re-loans
- Webhook-driven status with reconcilers
Net disbursal computed to the rupee, payout files for corporate banking, and a maker-checker gate between preparation and release — every send-back reasoned on the record.
- Net-disbursal workflow, to the rupee
- Maker-checker separation before release
- Readiness gates: e-sign, mandate, KYC
Auto-debit presents EMIs on schedule; payment links carry dues and penalties for everything else. Webhooks post collections onto the loan the moment the borrower pays.
- Auto-debit through active mandates
- Links for EMI, overdue, part-payment & closure
- AI-ranked overdue book by likelihood to pay
Loans past 90 days overdue move into a dedicated NPA workspace with its own team, its own communication identity and its own playbook — separate from day-to-day collections.
- NPA (90+) workspace, scoped to recovery
- Recovery-sender identity for late-stage outreach
- Settlement authority behind a permission
Run the business, on the record
Every message, every number and every control in one place — so the auditor's question is a search, not a reconstruction.
Automated lifecycle mail and manual campaigns share one notification centre — with per-role sender addresses, reusable templates and a per-borrower log of exactly what was sent.
- Email, SMS & WhatsApp behind one screen
- sanction@, disbursal@, collection@, recovery@ senders
- Every send logged against the borrower
Portfolio outstanding, disbursal trend, collections performance and pipeline health at a glance — scoped to what each role may see, and portable when you need it to be.
- Executive, sales & collections dashboards
- Ask your loan book questions in plain language
- Excel exports gated per page, per user
Lending is regulated work, so the guardrail ships with the feature: every action audited, every desk scoped, every sensitive field masked — the order your auditors expect.
- Two-layer audit trail with field diffs
- Stage locks per role & lifecycle stage
- PII masked by default, encrypted at rest
See the whole workspace on your scenarios
A 30-minute walkthrough — one file from first lead to final rupee, on the live platform.
Book a demo