AllCloud’s Loan Management System (LMS) is a unified loan management software that helps lenders manage repayments, collections, accounting, and compliance from a single platform. Built for banks, NBFCs, MFIs, and digital lenders, it supports multi-product portfolios at scale with complete operational control.
Manage EMIs, collections, overdues, closures, and servicing workflows from a single system.
Digitally capture, store, and track loan and collateral documents with full audit trails.
Configure diverse loan products, interest methods, and repayment structures without parallel systems.
Handle part-payments, foreclosures, restructures, and schedule revisions with accuracy and control.
Generate MIS, portfolio, compliance, and audit-ready reports with real-time data visibility.
Modify loan terms, schedules, and conditions with full control and audit visibility.
Process part-prepayments, foreclosures, and closures with accurate recalculations.
Generate statements of account and loan certificates instantly and accurately.
Automatically allocate collections across principal, interest, charges, and penalties.
Configure, apply, reverse, and track charges and penalties as per policy.
Built for vehicle finance portfolios requiring asset-linked servicing and structured recoveries.
Designed for variable repayment structures and complex borrower relationships.
Purpose built for high-volume retail lending.
Field-ready servicing for group and individual loans.
Secure servicing for gold-backed lending
AllCloud’s Loan Management System is a comprehensive, enterprise-grade loan management software designed to manage everything that happens after loan disbursement. It enables lenders to automate loan servicing, EMI management, collections, recovery, accounting, and regulatory reporting from a single unified platform.
AllCloud Loan Management System is built specifically for NBFCs, banks, MFIs, and digital lenders managing large and complex loan portfolios across multiple products and geographies.
AllCloud Loan Management software automates the complete repayment lifecycle. It generates accurate EMI schedules, supports part-payments and foreclosures, applies penalties and reversals automatically, and allocates collections correctly across principal, interest, and charges.
The system also enables automated borrower reminders via SMS, WhatsApp, email, and app notifications, helping lenders improve on-time repayments while reducing manual effort and reconciliation errors.
Yes. AllCloud’s Loan Management System is designed to support multiple loan products from a single platform without parallel systems. It supports:
· Personal loans
· MSME and business loans
· Vehicle and auto loans
· Microfinance (group and individual loans)
· Gold loans
Each product can have separate servicing logic, repayment structures, delinquency rules, and compliance configurations, all managed within the same Loan Management software.
Compliance is embedded at the platform level in AllCloud Loan Management software. The system maintains RBI-aligned audit trails, detailed transaction logs, and automated compliance MIS.
AllCloud Loan Management software supports:
· Audit-ready reports
· CIC and regulatory reporting
· Complete traceability of servicing, collections, and recovery actions
This ensures lenders remain compliant without relying on manual checks or post-facto reconciliations.
AllCloud Loan Management System provides structured collections and recovery workflows to help lenders manage delinquencies effectively.
Key capabilities include:
· Real-time overdue and bucket-wise delinquency tracking
· Automated penalty application and NPA tagging
· Omni-channel borrower communication
· Workflow-driven escalation for recovery and legal actions
This enables collections teams to act earlier, prioritize better, and improve recovery outcomes across portfolios.
Yes. AllCloud Loan Management System is built on an API-first architecture, enabling seamless integration with enterprise and fintech ecosystems.
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.
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.
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.
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.
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