Multi-tenant · AI-native

The whole credit lifecycle, on one platform.

One platform for origination, servicing, collections and the ledger — with AI doing the reading a credit officer would otherwise do by hand. Built to be run by the team you already have, not a platform team you would have to hire.

One core · many lenders Live
Channel
Borrower journeyBranchDSAAPI
Originate
CRMLOSKYCBureauBREOffers
Service
LMSScheduleRepaymentsCharges
Recover
DPDBucketsCasesPTPField
Account
Double-entry ledgerGLReconciliation
Intelligence
AI underwriterCredit memoCollections copilot
1Platform, instead of six vendors and six invoices
1 dayTo launch a new loan product, instead of a six-week vendor change request
0Releases needed to change a product's journey or credit policy
100%Of decisions and vendor calls audit-logged, with who and when
The problem

Lending teams don't have a system. They have six.

A CRM nobody likes, an LOS from one vendor, an LMS from another, a collections tool bought separately, and a finance team reconciling all of it in spreadsheets at month end. Six licence fees, six support queues, and no single view of a customer.

How it works today

  • Every new loan product means a change request to four vendors, four quotes, and a six-week wait.
  • The same customer exists four times, with four different addresses.
  • Nobody can say what a bureau pull cost last month, because nobody logs the calls.
  • Collections works off a spreadsheet exported on Monday and already stale by Tuesday.
  • The ledger is reconstructed at month end rather than posted as it happens.
The platform

Six modules. One data model underneath.

They are not integrations of separate products. A lead, an application, a loan and a collection case are the same record moving through its life.

01 / CRM

Know the customer

Leads, campaigns, activities and a customer 360 that survives the loan being closed.

LeadsCampaignsCustomer 360
02 / LOS

Originate

Application, KYC, bureau, credit, underwriting, offers, sanction and disbursal — with every integration call visible on the page.

KYCBureauUnderwritingDisbursal
03 / LMS

Service

Schedules on reducing balance, repayments, charges, foreclosure, restructuring and closure.

ScheduleRepaymentsForeclosure
04 / Collections

Recover

DPD computed nightly, bucket movement, cases allocated to agents, PTP tracking and field visits.

DPDBucketsPTPField
05 / Finance

Account for it

An append-only double-entry ledger. Every disbursal, repayment, charge and write-off posts a balanced journal entry as it happens.

JournalGLReconciliation
06 / AI

Decide faster

Credit memos written from bureau, bank statements and KYC. Underwriting recommendations that show their reasoning.

Credit memoUnderwriterCopilot
What's different

Four decisions that shape everything else.

01

Journeys are configuration, not code

One lender wants DigiLocker; another insists on CKYC; a third accepts a document upload. One wants video KYC before sanction, another after. In most platforms each of those is a release.

In MODNAR a journey is a versioned document attached to a lender's product. Reorder the steps, swap the provider, add a condition, save. The next application runs the new flow — and applications already in progress keep running the version they started on.

Both the borrower journey and the LOS stage tracker render from the same definition. There is nowhere left to hardcode the order.

02

AI in the underwriting seat

Not a chatbot in the corner. The credit memo is written from the bureau report, the bank statement analysis and the KYC record — the same evidence a credit officer would read, assembled into the document they would have spent forty minutes writing.

The recommendation comes with the factors it weighed and the ones that gave it pause, so an underwriter can disagree with the reasoning rather than argue with a score.

Every AI decision is stored with its inputs and its output, so a decision from six months ago can still be explained.

03

Multi-tenant from the first line

Not a single-lender product that will be made multi-tenant later. Every record carries its tenant, and isolation is enforced by row-level security in the database rather than by developer discipline in the application.

Each lender gets its own branded journey on its own subdomain, its own products, its own credit policy and its own users — operated from one platform.

The isolation is a database policy you can read on screen and a query you can run to prove.

04

Every integration is visible

Bureau, PAN, DigiLocker, account aggregator, penny-drop, eSign, mandate, payout. Each call is logged against the application that triggered it, with the request, the response, the HTTP status and the latency in milliseconds.

Open any application and the whole vendor conversation is there in order — including the retries, and including the calls that failed.

The same log answers the operations question and the finance question: what happened, and what it cost.

The ledger

We model the money, not just the workflow.

A schedule on reducing balance, and a balanced journal entry behind every event. Here is a ₹5,00,000 personal loan at 16% over 36 months — the EMI never changes, but what it pays for does.

Principal
₹5,00,000
Interest rate
16.00% p.a.
Tenure
36 months
Processing fee
₹10,000 (2%)
Net disbursal
₹4,90,000
Monthly EMI
Total interest
Total repayment
What each EMI actually pays
Principal Interest
The demo

Twelve minutes, end to end.

Every external service is a sandbox stub for now — the gateway is built so a live provider is a configuration change, not a rewrite. Everything else is real.

Two lenders, side by sideThe same platform on two branded subdomains, running two different journeys.
Apply from a phoneMobile, OTP, PAN, date of birth and PIN code. The name prefills itself from the PAN record.
Bureau, decision, offersFour eligible lenders, four different offers on the same applicant. Move the amount and tenure, watch the EMI follow.
Open the LOS — it is already thereThe application exists, every field filled in, timestamped and attributed. Nothing was re-keyed.
Read the integration timelineEvery vendor call with its payload and its latency. Then force the bureau to time out and watch the retry and the fallback to manual review.
Generate a credit memoWritten live, from that applicant's bureau, bank and KYC evidence.
Approve, sanction, disburse, bookSanction letter, payout with a UTR, loan in the LMS with its schedule, and the balanced GL entry behind it.
Reconfigure a journey, liveReorder the steps, swap DigiLocker for CKYC, save, run it again. No deploy.
Collections on a real bookTwo hundred loans with a realistic DPD spread, bucketed, allocated, prioritised.
Design partner

Built to run a real book, starting with yours.

The fastest way to judge this is to put one of your own products into it and push a real application through, end to end. That takes an afternoon — and you keep whatever we configure.

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