AllCloud is India's only Unified Lending Technology platform that combines Loan Origination, Management, Collections & Co-Lending on a single API-first, RBI-compliant stack — so you go from application to disbursal in hours, not weeks.
Book a Free Demo →Unified Lending Technology Layer
LOS
LMS
COLLECT
CO-LEND
Integrations
- The Reality of Lending Today
Most Lending institutions are managing 4–6 disconnected systems. The result? Data silos, reconciliation nightmares, compliance gaps and loan books that can't scale. AllCloud fixes this.
- Platform Modules
Each module is powerful alone. Together, they form the only true Unified Lending Technology stack built specifically for NBFCs, MFIs and HFCs in India.
End-to-End digital Loan Origination for NBFCs and MFIs. From multi-channel lead capture and eKYC through credit decisioning, underwriting and multi-level approvals — all configurable without a single line of code. Go from lead to sanction in under 2 hours.
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API-first Loan Servicing that handles the full post-disbursement lifecycle for every loan type your NBFC or MFI offers. Dynamic repayment schedules, auto-compliance workflows, 360° customer view and real-time P&L tracking — unified in one interface.
Predictive collections built for high-volume NBFC and MFI portfolios. Automate borrower communications, manage field agents intelligently, and handle NPA digitally — all with real-time delinquency risk scoring that helps you recover before accounts go bad.
AllCloud's Co-Lending module is built for the RBI co-lending model — automating NBFC-Bank partner association, credit split allocation, FLDG tracking and compliance workflows. Scale your book without scaling your capital. Purpose-built for NBFCs, not retrofitted from a bank platform.
Executive dashboards, branch analytics, custom report builder and BI-ready exports give NBFC leadership real-time visibility across the entire loan portfolio — by product, geography, risk bucket, co-lender and collection stage.
Loans processed via platform
Faster ops vs manual process
Reduction in ops overhead
Guaranteed Platform Uptime
Pre-built API integrations
Countries, global deployments
- Why AllCloud
AllCloud is not another modular point solution. It is the only digital lending software in India where LOS, LMS, Collections and Co-Lending share one data architecture — eliminating the integration tax that fragments your operations.
AllCloud's Low Code platform and 100+ pre-built integrations mean your NBFC or MFI is live in weeks. Not months of implementation, not years of customisation.
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SOC 2 Type II certified. RBI Digital Lending Guidelines baked in — not bolted on. Key Fact Statement, borrower consent, audit trails and FLDG compliance, automated end-to-end.
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Every module shares a single data layer. Origination data flows to LMS automatically. LMS DPD data feeds Collections. Collections triggers Co-Lending reconciliation. Zero re-entry. Zero silos.
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CIBIL, Experian, CRIF, Account Aggregator, GSTN, NACH, eSign, Penny Drop, Fraud APIs — all pre-integrated. Connect any downstream system via REST APIs on day one.
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Whether you're processing 100 or 1,00,000 applications a day, AllCloud's cloud-native, auto-scalable infrastructure matches your pace — without DevOps intervention.
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Our team brings deep NBFC, MFI and HFC lending domain knowledge. We configure your credit policy, compliance rules and collection strategy — not just software settings.
Learn more →- Loan Product Coverage
AllCloud's platform is pre-configured for the loan products NBFCs, MFIs and HFCs actually run — not retrofitted from a generic banking platform.
- Competitive Differentiation
Most competitors offer powerful but disconnected modules — forcing your NBFC to integrate, reconcile and manage multiple vendors. AllCloud is different by architecture.
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- Integrations
AllCloud's digital lending software connects your entire lending infrastructure via a robust API-first layer — pre-integrated with India's core financial data, compliance and payment rails.
100+ integrations. One integration team. Zero vendor coordination overhead for your NBFC.
- Knowledge Centre
India's digital lending market is on track to reach USD 2.4 billion by 2030 at a 31.5% CAGR. For NBFCs and MFIs, this growth represents both an opportunity and an existential pressure — lenders who don't digitise will be priced out by those who can operate at lower cost, faster TAT and tighter compliance.
A modern digital lending software platform eliminates the three biggest friction points in NBFC lending: slow origination, fragmented servicing and reactive collections. AllCloud's Unified Lending Technology addresses all three simultaneously from one stack.
The digital lending software market in India is crowded with point solutions — standalone LOS tools, LMS platforms, and collection apps — each requiring separate integration, vendor management and data reconciliation.
The most consequential choice an NBFC CTO makes is whether to assemble a stack from best-of-breed point solutions or adopt a unified digital lending platform. AllCloud's unified architecture eliminates integration debt and creates a single truth across every stage of the lending lifecycle.
RBI's digital lending guidelines mandate Key Fact Statements, cooling-off periods, borrower consent audit trails and FLDG disclosures. Your digital lending software must enforce these automatically — AllCloud builds them into every workflow.
Most enterprise lending platforms were designed for banks and retrofitted for NBFCs. AllCloud was built ground-up for NBFCs, MFIs and HFCs — meaning product configurability, co-lending workflows and MFI-specific JLG group lending come standard, not as add-ons.
Digital lending software is an end-to-end technology platform that automates the complete loan lifecycle for NBFCs, MFIs and HFCs — from borrower onboarding, eKYC and credit assessment through loan sanctioning, disbursement, EMI servicing, collections and co-lending. It replaces manual, paper-heavy processes with intelligent, RBI-compliant digital workflows — reducing TAT from days to hours.
AllCloud is the only Unified Lending Technology platform in India that combines LOS, LMS, Collections and Co-Lending on a single API-first, shared-data architecture purpose-built for NBFCs, MFIs and HFCs — not banks. Unlike competitors who offer modular point solutions requiring separate integration, AllCloud eliminates data silos, reconciliation overhead and vendor management complexity entirely.
Yes. AllCloud's digital lending platform has RBI Digital Lending Guidelines compliance built into every workflow — including mandatory Key Fact Statement (KFS) generation, cooling-off period enforcement, borrower consent audit trails, FLDG disclosure for co-lending, and automated regulatory reporting for NBFCs. Compliance is never an add-on configuration.
Most NBFCs and MFIs using AllCloud's Low Code platform go live in 4–8 weeks — versus 6–12 months for legacy lending software implementations. AllCloud's pre-built integrations (bureaus, eKYC, AA, payments), configurable credit policy rules and pre-configured loan product templates dramatically accelerate deployment without sacrificing flexibility.
AllCloud's digital lending software supports Personal Loans, Business Loans, MSME Loans, Auto Loans, Gold Loans, Microfinance (JLG & SHG), EV Loans, Loan Against Property, and Co-Lending structures — all configurable from a single unified platform without requiring separate modules or vendor contracts for each product.
Yes. AllCloud's digital lending software has a pre-built, production-ready Account Aggregator (AA) framework integration — enabling real-time financial data consent and pull for bank statement analysis, cash flow underwriting and credit decisioning. This is particularly powerful for MSME and self-employed borrower underwriting where traditional bureau data is limited.
Join 110+ NBFCs, MFIs and HFCs that run their entire lending business on AllCloud's Unified Digital Lending Software. Go live in weeks.
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