Business Loan Software That Accelerates Origination, Disbursal & Collections

Streamline every stage of your business lending lifecycle with a configurable, API-first platform built for scale, compliance, and faster go-to-market.

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Built on feedback, delivered with expertise

AllCloud Unified Lending technology for business loans software is highly intuitive and comprehensive facilitating a range of credit & risk assessment activities and serving businesses of any level.

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Comprehensive business loan software by AllCloud, enabling smart credit assessment and risk management for all business levels

Secured Business Loans

For NBFCs, secured lending is about risk mitigation, higher ticket sizes, and portfolio stability. The platform enables lenders to

Configure collateral-backed products (property, machinery, inventory).

Define LTV limits, collateral valuation workflows, Legal, Technical and security documentation rules within credit policies.

Implement multi-layer approval hierarchies for high-value exposures.

Monitor collateral coverage, concentration risk, and exposure tracking in real time.

Maintain strong audit trails and compliance readiness. CERSAI-enabled charge registration and verification logs.

Unsecured Business Loans

Unsecured lending focuses on speed, scale, and data-driven underwriting. Lenders can

Launch cash-flow-based MSME and working capital products.

Automate bureau checks, bank statement analysis, GST validation, and financial assessments.

Deploy rule-based and scorecard-driven credit engines.

Enable quick eligibility, faster sanctioning, and digital disbursal flows.

Track early warning signals and delinquency trends proactively.

Unified Control Across Both

Run secured and unsecured products on a single configurable system — apply differentiated risk strategies, optimise yield vs. risk, and scale operations without fragmentation.

Agile document tracking and invoice factoring for dynamic credit policy management

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Built on feedback, delivered with expertise

Precise commercial credit scoring, rating, and segmentation. Easily encapsulate in your decision workflows in-house rating models, credit bureau ratings & segmentation rules. Estimate probability of default (PD), exposure at default (EAD), loss given default (LGD) & other parameters to derive the risk-weighted assets (RWA) to determine the capital adequacy ratio (CAR).

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Collateral quality analysis

Exposure/current loans

Account and Cash turnover

Expenses on servicing the loan

Business profitability

Data on the principals

Percentage of Client Funds involved

Management team of business

Business demographic

Financial analysis

Collateral quality analysis

Data on the principals

Exposure/current loans

Percentage of Client Funds involved

Account and Cash turnover

Management team of business

Expenses on servicing the loan

Business demographic

Business profitability

Financial analysis

Why AllCloud Business Loan Software?

API Driven

Ensures easy record-keeping, document tracking and access at the click of a button.

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Generate Secondary Revenue

Catch the minutest of details & create reminders to generate secondary revenue like insurance renewals.

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Vehicle and Customer Categorization

Ensure company policy driven lending by leveraging customer and asset classification to control loan to value and interest pricing

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API Driven

Ensures easy record-keeping, document tracking and access at the click of a button.

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Omni-Channel Origination

Interfaces available across web & mobile for loan officers, as well as a separate mobile app for customer self-service.

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Centralized Document Repository

Allows instant access to any document, incorporating any corporate lending company’s policies and leaving a visual audit trail for auditors and teammates.

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