End-to-End
Digital Lending
Launch new credit products in weeks, not months. A comprehensive Lending OS designed for scale, compliance, and seamless customer journeys.
A Complete Credit OS
From onboarding the first customer to collecting the last EMI, manage the entire lifecycle on a single, unified platform.
Loan Origination System (LOS)
Configurable workflows for KYC, credit underwriting, and disbursal. Integrate with 50+ data sources for instant approvals.
Co-Lending Stack
Seamlessly partner with banks & NBFCs. Automated reconciliation and FLDG management.
Core LMS
Ledger & Interest Engine
Collections
Smart Recovery
Lending OS Command Center
Comprehensive control over your lending business with our modular, integrated dashboard.
Admin Dashboard
Real-time portfolio analytics
Product Management
Configure loan products
Collateral & Security
Asset & document management
Billing & Taxation
Automated invoicing & GST
Risk & Compliance
Rule engine & policy controls
Branch Management
Multi-branch access control
Team Management
RBAC & User roles
Auto Disbursal
Payment plumbing with banks
The Engine Behind Digital Credit
Orchestrating the complex dance between borrowers, data, and capital.
Built on the bedrock of compliance
Navigating the regulatory landscape of digital lending is complex. UnPay Lending OS is built compliance-first, adhering to all RBI guidelines for digital lending (DLG).
RBI DLG Compliant
Pre-configured workflows that adhere to the Digital Lending Guidelines including KFS (Key Fact Statement) generation and cooling-off periods.
LSP & RE Governance
Clear data segregation between Lending Service Providers (LSPs) and Regulated Entities (REs).
Data Localization
100% data hosted in India on secure, RBI-approved cloud infrastructure.
Why market leaders switch to UnPay
Legacy Lending System
- Months to integrate
- Rigid, hard-coded workflows
- Opaque pricing models
- Poor developer experience
UnPay Lending OS
- Go-live in < 4 weeks
- Drag-and-drop workflow builder
- Usage-based transparent pricing
- API-first documentation
Ready to launch your credit product?
Get access to the most powerful digital lending infrastructure in India.