Loan Origination System

AI-Orchestrated
Loan Origination System (LOS)

From application to decision, in minutes. Build low/no-code journeys, automate
decisioning with Universal BRE, and underwrite with domain-trained AI agents—with
native hand-off into LMS and co-lending orchestration.

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Trusted by the best

Why M2P LOS?

Unified lifecycle

Origination, decisioning, underwriting, & disbursal on one stack, native hand-off to LMS for servicing, collections, and co-lending settlement

Low/no-code velocity

Drag-and-drop workflow & form builders, omnichannel intake, notification framework for branch, assisted, and DIY journeys

Enterprise-grade decisioning

API-first, cloud-ready, compliant with IFRS/IRAC and RBI guidelines

Integrated ecosystem

Seamless plug-ins for KYC/AML, onboarding, exposure management, merchant acquisition, payment processing, and co-lender APIs

Built on trust, driven by results

0 Million+

Borrowers Serviced

0 Million+

Active Loan Accounts

$ 0.0 Billion

Borrowers Serviced

0 TPS

Peak Capacity

IDP, KYC, Fraud, & Credit Assessment

Credit Assessment Agents

Bank Statement Analyzer (ABB computation, cash-flow categorization, bounce detection), Financial Spreading (ratios, multi-year comparison, trend analysis), GST Analytics (GSTR-1 vs 3B reconciliation, compliance scoring, sector/anchor risk), and Alt-data Fusion (telecom, utilities, behavioral & market signals).

Identity Stack

e-KYC/CKYC, face match, liveness; AML/adverse media screening.

Fraud Detection

Velocity checks, synthetic ID & duplicates; risk signals fused in decisioning.

Document Intelligence Agent

Auto-classification, field extraction, and tamper detection (95%+ OCR).

BRE, Underwriting, Valuation, & CAM

Universal BRE + ML/XAI Scoring

Underwriting rules, risk-based pricing, offer generation, deviation management, bureau aggregation, custom scorecards, champion–challenger testing, and explainable AI.

Policy Compliance Agent

Automated RBI + internal policy checks; auditable outcomes

Valuation & CAM Generation

AVM, geospatial risk, title/encumbrance verification,and LLM/NLG-driven credit memos with template-based exports

Co-lending orchestration

Dynamic split rules, partner exposure management, and automated settlement

Disbursal Orchestration

Supported Loan Types

Personal Loan

Business/SME Loan

Auto/EV Loan

Gold Loan

Buy Now, Pay Later

Education Loan

Loan Against Mutual Funds

Loan Against Property

Differentiation & Benefits

Key Differentiators

AI-ready & highly configurableLaunch, test, and iterate with near-zero tech dependency
Enterprise-grade lending platformCovers origination, servicing, and collections in one unified stack
Faster go-live & seamless migrationAccelerate deployment across 15+ products with near-zero downtime
Modular & scalable architectureUse only what you need, scale across geographies
Compliance & security-readyBuilt-in audit trails and robust data protection

Frequently Asked Questions

Our workflow-based loan origination system offers key features like low-code form builders that automate the entire customer onboarding process, from application processing and credit assessment to document management, automated underwriting, compliance tracking, till disbursement.