Finovel lending suite
A complete, white-label lending system: LOS, LMS and Collections.
Launch digital loan products under your own brand. Finovel covers the full loan lifecycle, from the first application to the last repayment, on one configurable platform.
Three modules
Use one module, or the whole suite
- LOS
Loan origination
Automates onboarding, KYC, underwriting and approval.
- Digital KYC
- Bank statement analyser
- Bureau integration
- Automated underwriting
- Real-time decisioning
- eSign and disbursement
- LMS
Loan management
Handles the full loan lifecycle and repayments.
- Repayment schedules
- Penalty and overdue logic
- Auto-debit (UPI, eNACH)
- Real-time reporting
- NPA management
- Settlement workflows
- Collections
Collections
Automated recovery workflows for every stage of delinquency.
- Automatic reminders
- Tele-calling dashboard
- Promise-to-pay tracking
- Risk buckets
- Field collection tools
- Settlement and restructuring
The loan lifecycle
How a loan moves through Finovel
- 01
Apply
The borrower applies online, under your brand.
- 02
Verify
eKYC, bank statements and bureau checks run automatically.
- 03
Decide
Your underwriting rules approve, refer or decline.
- 04
Sign and disburse
Agreements are eSigned and the loan is paid out.
- 05
Repay
EMIs are collected by auto-debit and tracked in real time.
- 06
Recover
Missed payments move into collections with the right next step.
Built to fit
Shaped around how you lend
White-label platform
Your brand, your interface and your loan products, with complete control.
Configurable loan products
Set up new products, rates and fees without waiting for development.
Flexible workflows
Decide the steps, checks and approvals each product needs.
Rules engine
Write credit and approval rules once, and apply them the same way every time.
Integrations
Aadhaar, PAN, credit bureaus, eSign and payment gateways.
Real-time dashboards
See applications, disbursals, repayments and overdue loans as they happen.
At a glance
What each module covers
| Feature | LOS | LMS | Collections |
|---|---|---|---|
| Digital onboarding and eKYC | — | — | |
| Bank statement analysis and bureau checks | — | — | |
| Underwriting rules and approvals | — | — | |
| eSign and disbursement | — | — | |
| EMI schedules and repayments | — | — | |
| Auto-debit by eNACH and UPI AutoPay | — | — | |
| Penalty, overdue and NPA handling | — | — | |
| Reminders by WhatsApp, SMS and email | — | — | |
| Calling and field collections | — | — | |
| Settlement and restructuring | — | ||
| Role-based access and audit logs | |||
| Real-time dashboards |
Loan products
Run the products you offer today, and the next ones
- Personal loans
- MSME loans
- Business loans
- Digital loans
- Co-lending models
- Salary-linked loans
Questions about the lending suite
Which lending products does Finovel support?
Personal loans, MSME loans, business loans, digital loans and co-lending models.
Is it suitable for NBFCs and fintech startups?
Yes. Finovel works for established NBFCs and for growing fintech startups.
Can it be customised to our business?
Yes. Workflows, integrations and rules are all configurable, and the whole platform carries your brand.
How long does it take to start?
It depends on how much you want to customise. Book a demo and we will plan it with you.
See the lending suite with your own loan products
Book a demo and we will walk you through origination, loan management and collections, set up around how you lend.