NBFC Software Built for Scale, Control, and Compliance

Modern NBFCs need more than disconnected tools. They need NBFC software that unifies lending operations—from onboarding and disbursals to servicing, collections, and co-lending—without compromising compliance or control.

AllCloud delivers enterprise-grade NBFC software for Indian lenders operating across multiple loan products, geographies, and regulatory requirements. Built on a Unified Lending Technology foundation, AllCloud helps NBFCs launch faster, operate smarter, and scale confidently.

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Unified Lending Technology for Growing NBFCs

One platform. Complete control across the lending lifecycle.

AllCloud’s NBFC software brings loan origination, loan management, collections, and co-lending into a single, configurable lending stack—built for India’s regulatory and operational realities.

What Is NBFC Software?

NBFC software is a digital platform that enables Non-Banking Financial Companies to manage the complete loan lifecycle—from borrower onboarding and credit assessment to repayments, collections, recovery, accounting, and regulatory reporting.

In the Indian context, effective NBFC software must support.

Multiple loan products and repayment structures

High transaction volumes across branches and agents

RBI-aligned reporting and audit requirements

Delinquency and collections complexity

Partner-led and co-lending
models

AllCloud is purpose-built to address these realities through a unified, configurable, and compliance-ready platform.

Product Modules

Loan Origination
Software
Loan Management
Software
Debt Recovery
& Collections Software
Co-Lending
Software 

Loan Origination Software

Digitize onboarding, underwriting, and disbursement without slowing down credit decisions.

Digital application capture
Configurable credit workflows
Rule-based approvals and checks
Disbursement readiness tracking

Loan Management Software

The operational backbone of AllCloud’s NBFC software, covering post-disbursement servicing and portfolio management.

EMI schedules, part-payments, foreclosures
Penalties, interest adjustments, rescheduling
Delinquency buckets and NPA tagging
Omnichannel borrower communication
MIS and regulatory reporting

Debt Recovery &Collections Software

Manage structured, field-ready collections and recovery workflows within the same platform.

Bucket-wise collection strategies
Field allocation and tracking
Escalation and recovery workflows
Centralized collections reporting

Co-Lending  Software

Simplify partner-led and co-lending models without operational complexity.

Partner loan structures
Shared servicing workflows
Settlement and reporting support
Portfolio-level transparency

Solutions by Loan Type

Auto Loan Software

Built for high-volume, asset-backed lending operations.

Personal Loan Software

Designed for speed with disciplined servicing and collections.

Business Loan Software

Supports both secured and unsecured business lending.

Microfinance Software

Built for scale, field operations, and regulatory discipline.

MSME Software

Designed for cash-flow-based lending and portfolio monitoring.

EV Software

Supports evolving asset classes and flexible repayment models.

Gold Loan Software

Built for secured, fast-turnaround lending operations.

Loan Against Property

Built for secured, fast-turnaround lending operations.

Compliance & Security

AllCloud’s NBFC software is built with governance at its core

End-to-end
audit trails

Lifecycle-level data traceability

RBI-aligned operational reporting

Role-based access controls

This ensures NBFCs remain audit-ready without operational disruption.

Integrations

AllCloud is API-first, designed to integrate seamlessly into your ecosystem.

Typical integration categories

Credit bureaus
KYC / CKYC providers
E-sign and documentation tools
Payment gateways and NACH
CRM and ERP systems
Messaging and notification platforms

What NBFCs achieve with AllCloud ?

Faster onboarding and disbursements through automated workflows

Centralized servicing for EMIs, collections, and recoveries

Reduced operational leakage and manual reconciliation

Clear portfolio visibility across delinquency and NPAs

Compliance-ready processes with audit trails and traceability

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Enterprise-Grade Security, Globally Certified.

AllCloud enforces compliance by design.

Support for

Implementation & Support

Implementation follows a structured, enterprise-friendly approach

Requirement mapping and configuration

Module-wise rollout

User training and enablement

Ongoing support and optimization

NBFCs typically begin realizing operational value early, with the platform adapting as portfolios scale.

Frequently Asked Questions

What is NBFC software used for?

NBFC software manages loan origination, servicing, collections, recovery, and compliance within a single lending platform.

How is NBFC software different from generic loan software?

It is designed specifically for Indian regulatory requirements, multi-product portfolios, and complex collections workflows.

Can AllCloud NBFC software support multiple loan types?

Yes. It supports auto, personal, business, MSME, microfinance, EV, and gold loans through configurable modules.

Does the platform include a Loan Management System?

Yes. AllCloud includes a full LMS covering EMI management, collections, accounting, and reporting.

How does NBFC software help with compliance?

It provides audit trails, traceability, and structured reporting aligned with RBI expectations.

How does AllCloud Loan Management System integrate with other systems?

Yes. AllCloud Loan Management System is built on an API-first architecture, enabling seamless integration with enterprise and fintech ecosystems.

How does AllCloud Loan Management software handle delinquent and stressed loan accounts?

AllCloud Loan Management software includes advanced delinquency management capabilities to help lenders proactively manage credit risk.

The system enables:

· Automated alerts for overdue accounts
· Bucket-based delinquency classification
· Configurable escalation workflows
· Recovery and legal case tracking

These features help lenders control NPAs, improve recoveries, and maintain portfolio health as volumes scale.

What are the benefits of AllCloud Loan Management software for NBFCs?

For NBFCs, AllCloud Loan Management software delivers significant operational and compliance advantages, including:

· Automation of servicing and collections workflows
· Reduced manual errors and reconciliation effort
· Improved visibility across loan portfolios
· Strong compliance and audit readiness
· Better borrower experience

This translates into lower operational risk, improved efficiency, and higher profitability as NBFCs grow.

How scalable is AllCloud Loan Management software for growing lending operations?

AllCloud Loan Management software is built on a scalable, cloud-native architecture designed to grow with your lending business.

Lenders can:

· Scale loan volumes without system rework
· Add new branches or geographies
· Launch new loan products quickly
· Support digital, assisted, and field-led models

This makes AllCloud Loan Management software suitable for both fast-growing NBFCs and established financial institutions.

Does AllCloud provide training and support for Loan Management System users?

Yes. AllCloud provides structured onboarding, role-based training, and ongoing support to ensure teams use the Loan Management System effectively.

Training covers:

· Core loan servicing workflows
· Collections and recovery operations
· Reporting and compliance features
· Product-specific configurations

This ensures faster adoption, smoother operations, and maximum value from the platform.