Purpose-Built Technology for Loan Against Property Software

Digitizing every step of property-backed lending, End to End

AllCloud’s Loan Against Property Software (LAP) platform delivers a mortgage-native, digital-first experience across the entire lending lifecycle. From borrower onboarding to post-disbursement servicing, it replaces patchwork tools with one intelligent, compliant system—designed for scale, precision and control.

Whether you manage salaried, self-employed, or business LAP cases—AllCloud helps you lend smarter, faster and safer.

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Why Choose AllCloud for Loan Against Property Lending?

End-to-End Digital Lending

Unify Origination, Underwriting, Disbursal, Servicing & Collections in one system. No silos. No hand-offs.

Multi-Applicant & Multi-Collateral Support

Onboard multiple borrowers, guarantors, and linked properties with full visibility and control.

Tranche-Level Disbursement Engine

Auto-checklist enforcement. No release of funds unless pre-defined milestones are validated.

Built-in Compliance Automation

FATF-aligned KYC/AML with deviation routing and legal/technical evaluation workflows—configuration-driven, not hard-coded.

Real-Time Audit Trail

Every action is time-stamped. Every deviation is logged. No offline approvals or data loss.

Cloud-Native Scalability

Scale from 10 to 10,000 LAP loans/month with SaaS-grade agility and infrastructure.

Smart Lending, Simplified

Features

What It Enables

Digital KYC with Deviation Handling
Rule-based onboarding for individuals, firms, and partnerships.
Co-Borrower Logic & Scorecards
Differentiate risks and roles across applicants.
Multi-Property Mapping
Link multiple collaterals with smart exposure tracking.
Digital CAM
Automation and digitise and no dependency on excels
Legal & Technical Routing
Auto-assign valuation and title verification to experts.
Geo-Aware Compliance Templates
Customizable per region—GDPR, RBI, NHB, CERSAI ready.

How AllCloud Stands Apart?

Not just lending software—a mortgage-native platform.

AllCloud is purpose-built for Loan Against Property Software. Unlike generic LOS or BPM tools that need endless customization, AllCloud comes pre-configured for property-backed lending—multi-collateral logic, co-borrowers, tranche-based disbursals, and compliance workflows are all built-in.

Zero manual workarounds
Faster Go-Live
Plug-and-play APIs
Compliance by design, not chance

From deviation handling to disbursement firewalls, AllCloud embeds controls that govern every risk checkpoint—so nothing slips through the cracks. No spreadsheets. No gaps. Just governance that scales.

Every Step, Every Rule, Digitally Governed

Step
1

Onboarding & KYC

Lead/Loan Application
KYC check & Validation
Applicant Profile Creation
Co-Applicant & Guarantors Info
Business, Collateral & Other  Details
Step
2

Preliminary Checks

Credit bureau check
Tele Verification
Business income check
Personal Discussion
Collateral verification
AML
Step
3

Risk & Compliance Analysis

Detailed Credit Underwriting
Credit 360 & AML Check
Documents Review
Bank Statement & Tax Return Analysis
Legal & Technical Checks (Web/Mobile)
Eligibility Check
Deviation Management
Sanction Terms Review
Step
4

Sanction & Agreement

Sanction Generation
Bank Account Verification
KFS & Loan Agreement, e-Sign
Repayment mandate set-up
Disbursement
Post Disbursement document

From KYC initiation to repayment, AllCloud tracks every step with full transparency. Every action is captured. Every document is validated. Every disbursal is governed.

Enterprise-Grade Security, Globally Certified.

AllCloud enforces compliance by design.

Support for

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Transform Your LAP Business.

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Frequently Asked Questions

How does AllCloud handle multi-property and cross-collateral LAP structures?

AllCloud’s Loan Against Property Software is built to manage complex collateral relationships, including multiple properties linked to a single loan or a single property securing multiple facilities. The system maintains a real-time collateral coverage map, dynamically recalculating exposure, LTV, and eligibility whenever a top-up, partial release, or substitution is initiated — without manual reconciliation.

How are valuation deviations and revaluation cycles managed over long tenures?

The platform supports initial, periodic, and event-triggered revaluations across the loan lifecycle. If valuations vary across empanelled valuers or fall below policy thresholds, the system automatically flags deviations, recalculates LTV, and enforces approval workflows. This ensures portfolio risk remains controlled even across 15–20 year loan tenures.

How does AllCloud ensure legal, technical, and location-level risk compliance before sanction?

AllCloud embeds Legal & Technical (L&T) verification directly into the credit workflow. Legal search reports, technical approvals, and location risk checks are digitally captured and validated against configurable negative lists, zoning rules, and encumbrance criteria. Any non-compliance automatically blocks progression to sanction, creating a regulator-ready audit trail.

How is original document custody tracked and protected across branches and vaults?

The Collateral Management System (CMS) maintains a tamper-proof chain of custody for all original property documents. From branch collection to vault storage and authorized release, every handover is logged digitally with timestamps and user accountability — significantly reducing the risk of loss, misuse, or unauthorized movement.

Can the system support audits, inspections, and regulatory reviews for LAP portfolios?

Yes. AllCloud provides end-to-end audit readiness for Loan Against Property Software portfolios, including complete histories of valuation changes, legal decisions, custody movements, interest revisions, and policy deviations. Reports can be generated instantly for internal audits, statutory inspections, and regulatory reviews — eliminating dependence on spreadsheets or manual evidence collection.

How does AllCloud Loan Management System integrate with other systems?

Yes. AllCloud Loan Management System is built on an API-first architecture, enabling seamless integration with enterprise and fintech ecosystems.

How does AllCloud Loan Management software handle delinquent and stressed loan accounts?

AllCloud Loan Management software includes advanced delinquency management capabilities to help lenders proactively manage credit risk.

The system enables:

· Automated alerts for overdue accounts
· Bucket-based delinquency classification
· Configurable escalation workflows
· Recovery and legal case tracking

These features help lenders control NPAs, improve recoveries, and maintain portfolio health as volumes scale.

What are the benefits of AllCloud Loan Management software for NBFCs?

For NBFCs, AllCloud Loan Management software delivers significant operational and compliance advantages, including:

· Automation of servicing and collections workflows
· Reduced manual errors and reconciliation effort
· Improved visibility across loan portfolios
· Strong compliance and audit readiness
· Better borrower experience

This translates into lower operational risk, improved efficiency, and higher profitability as NBFCs grow.

How scalable is AllCloud Loan Management software for growing lending operations?

AllCloud Loan Management software is built on a scalable, cloud-native architecture designed to grow with your lending business.

Lenders can:

· Scale loan volumes without system rework
· Add new branches or geographies
· Launch new loan products quickly
· Support digital, assisted, and field-led models

This makes AllCloud Loan Management software suitable for both fast-growing NBFCs and established financial institutions.

Does AllCloud provide training and support for Loan Management System users?

Yes. AllCloud provides structured onboarding, role-based training, and ongoing support to ensure teams use the Loan Management System effectively.

Training covers:

· Core loan servicing workflows
· Collections and recovery operations
· Reporting and compliance features
· Product-specific configurations

This ensures faster adoption, smoother operations, and maximum value from the platform.