Originate, decision, and collect — in one stack.
Most lending platforms take 8+ months to build. We've already built the hard parts — rule-based + ML credit decisioning, eSign, eNACH mandates, bureau pulls, collection automation. 5M+ loans processed across our clients. INR 800Cr+ disbursed. RBI digital-lending guideline aligned. Your custom version: 6 weeks, fixed cost.
Built for teams shipping in production
NBFCs
Scale digital lending without rebuilding origination from scratch.
BNPL providers
Issue short-tenure credit with built-in eligibility + collection rails.
P2P platforms
Match lenders to borrowers with full audit-trailed flow.
Three engagement sizes. One fixed price.
Transparent, public pricing. Annual billing saves 17%. We absorb the cost of bad estimates — that's our problem, not your invoice.
- Application form builder
- KYC integration (uses our KYC module)
- Document collection + OCR
- Credit bureau pulls (CIBIL/Experian)
- Rule-based decisioning engine
- ML credit-scoring model
- GST data fetch + analysis
- Bank statement analysis
- Aadhaar eSign integration
- eNACH mandate setup
- Disbursal API (NEFT/IMPS)
- EMI schedule generator
- Collection automation
- Field-collection assignment
- RBI reporting templates
- Audit trail (regulator-export)
- White-label borrower app
- Loan applications / month5,000
- SupportEmail + Chat
Prices in USD. Approximate conversion. Final invoice in USD.
Pick the size that fits your stage
- Application form builder
- KYC + document OCR
- Rule-based decisioning
- 500 applications / month
- Email support
- Everything in Starter
- Bureau pulls + GST + bank-stmt analysis
- Aadhaar eSign + eNACH mandate
- Collection automation
- 5,000 applications / month
- Everything in Growth
- ML credit-scoring model
- Field-collection assignment
- White-label borrower app
- Unlimited applications + 99.99% SLA
- Dedicated implementation
Live in 14 days
Discovery to production. We handle the heavy lifting; you focus on launch.
Discovery
Map your origination flow, decisioning rules, and bureau / data partner setup.
Configure
Form builder, decisioning rules, eSign / eNACH, and disbursal rails wired in sandbox.
Go live
Production rollout, agent training, RBI reporting setup, and 30-day go-live support.
Frequently Asked Questions
Yes. The platform supports cooling-off period, KFS (Key Fact Statement), borrower consent flow, and lender-of-record disclosure. Final compliance certification is your responsibility but architecture supports the requirements.
Often paired with this module
Engineered for regulated industries
Active operational standards across every OpenMalo product. Documentation available on request.
Data minimization, consent management, and right-to-erasure baked into every module. Audit logs exportable to regulators.
Tell us what you're building.
Describe your problem with lending platform. We'll respond in 24 hours with what we'd typically build, how long it'd take, and the fixed cost. No sales calls. No commitment.
- 30-minute walkthrough with a product expert
- Live module demo on your data, not a sandbox
- Pricing tailored to your volume + region
- No commitment, no follow-up spam
