Loan Management System
Unified & Intelligent
Loan Management System (LMS)
Enterprise-grade platform for complete loan lifecycle management: origination, decisioning,
servicing, collections, and reporting—all powered by AI.
Trusted by the best
Why M2P’s Core Lending Suite?
Unified by Design
One platform for origination, BRE, servicing, collateral, collections, and accounting
Intelligent at Every Step
Embedded AI agents for document processing, risk scoring, fraud detection, reconciliation, and recovery optimization
Enterprise-Grade
API-first, cloud-ready, compliant with IFRS/IRAC and RBI guidelines
Built on trust, driven by results
0 Million+
Borrowers Serviced
0 Million+
Active Loan Accounts
$ 0.0 Billion
Borrowers Serviced
0 TPS
Peak Capacity
Core Modules & AI Capabilities
01
Loan Origination System (LOS)
Borrowers Serviced
AI Capabilities
Conversational Application Agent, Intelligent Document Processing, GST Helper Agent, Field Agent Management System, Instant Eligibility Agent
02
Business Rules Engine (BRE)
Dynamic, no-code engine for credit, risk, and operational logic.
AI Capabilities
Bank Statement Analyzer Agent, Financial Spreading Agent
03
Loan Management System (LMS)
Complete lifecycle management—disbursals, EMIs, provisioning, restructuring, and settlements.
AI Capabilities
Payment Reconciliation Agent, CAM Generation Agent, Customer Service Bot, Early Warning System.
04
Collateral Management
Asset tracking, charge creation, LTV configurations, and automated revaluation alerts.
AI Capabilities
Property Valuation Agent, Stock Audit Agent, Drawing Power Intelligence.
05
Collections
Delinquency monitoring, strategy automation, and multi-channel recovery workflows.
AI Capabilities
Collections Orchestration Agent, Recovery Optimization Agent, Field Agent AI.
Fully RBI-Compliant Co-Lending Platform for
Scalable Partnerships
Unlock collaborative lending with an API-driven solution that simplifies operations, accelerates
disbursals, and ensures full compliance with RBI guidelines.
Key Differentiators
- Multi-lender support:with lender selection and agreement mapping.
- RBI-aligned workflows:for retention, blended interest rates, asset classification, and escrow handling.
- Real-time triple schedule generation:for borrower, lender, and originator.
- Automated reconciliation & accounting:with voucher posting and reversals.
- Integrated compliance reporting:including Key Facts Statement (KFS) and CLM reports.
- Configurable approval workflows:for faster disbursal and SLA adherence.
Identity & Onboarding Stack (e-KYC, CKYC, AML checks)
Exposure & Limit Management
Microfinance ERP
Merchant Acquisition & Payment Processing
Checkout Financing & Embedded Credit APIs
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 loan management system is suitable for a range of financial institutions, including NBFCs, banks, credit unions, fintech companies, and microfinance institutions. These organizations benefit from our loan management system's ability to handle diverse lending needs efficiently.
Hear what our clients say
Virender Bisht
Co-founder & CTO
Niyo Solutions Inc
Niyo, in partnership with M2P Fintech and our partner bank, launched its successful Niyo Global Credit Card.
Shalini Warrier
Executive Director
Federal Bank
M2P Fintech is an integral part of our Bank’s strategy for collaboration with FinTechs, in the area of credit cards.
Certified. Compliant. Secure.
Let's Make Lending Work for You
M2P AI-ready to serve you
Fintech
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