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15–45 day tenures, repeat borrowers and instant disbursement expectations break systems that were built for term loans.
Manual underwriting slows down approvals
Legacy LMS can't handle bullet repayments
No BRE automation for fast decisioning
Compliance risk under RBI digital lending norms
High manpower dependency per application
Poor repeat-borrower experience
Fragmented LOS, LMS and Collections stacks
Slow, costly scaling as volumes grow
Purpose-built for 15–45 day loans, salary advances and high-frequency repeat borrowers — not a generic LOS stretched to fit.
Omni-channel lead capture, digital onboarding and multi-level approvals at speed.
Bullet repayments, flexible schedules and automated servicing built for short tenures.
Configurable credit policy, risk scoring and instant auto-decisioning with deviation routing.
Aadhaar, CKYC, Digilocker, PAN and video KYC integrated into a single onboarding flow.
Consent-based bank statement analysis for real income and repayment-capacity signals.
eNACH auto-debit, digital reminders, field-force app and delinquency risk scoring.
100+ APIs across bureaus, KYC, payments, corebanking, CRM and ERP systems.
Real-time portfolio, PAR, CAC and disbursal funnels for executive decision-making.
Every step is logged, consented and auditable under RBI's Digital Lending Guidelines.
Configure your own credit policy — the engine decides in milliseconds, not days.
✓ Credit score
✓ DPD history
✓ Verified income
✓ Employer check
✓ Bank balance
✓ Fraud score
✓ Existing loans
✓ Repeat behaviour
Approve — auto-priced offer
78.4%
Manual review — deviation route
14.1%
Decline — policy breach
7.5%
See BRE in Action
AllCloud's API-driven payday loan software connects with your lending platforms, payment processors, credit bureaus, KYC services, and business applications—delivering a faster, more cost-effective implementation.
CIBIL
Experian
CRIF
Aadhaar
CKYC
Digilocker
Account Aggregator
eSign
eNACH
UPI / IMPS
Core Banking
CRM / ERP
Compliance by design — not an after thought bolted on before audit.
Standardised, upfront cost disclosure on every offer.
Explicit, logged consent at every data-sharing step.
Built-in window before disbursement, per RBI norms.
Disbursement moves lender-to-borrower with no pass-through.
Immutable logs across origination, decisioning and servicing.
Borrower data stored and processed within India.
Structured borrower escalation and resolution tracking.
Configurable co-lending and default-guarantee structures.
Capital rotates every 15–45 days instead of sitting locked for years.
Higher repeat-borrower rate lowers your CAC per disbursal.
BRE automation cuts manual underwriting by up to 70%.
Straight-through processing lifts approval-to-disbursal speed and volume.
Straight-through processing
Lower operational cost
Typical go-live
Less manual underwriting
AllCloud's Payday Loan Software is a digital lending platform designed to help NBFCs and fintech lenders originate, approve, disburse, service, and collect short-term loans through a single, unified system. It automates the complete loan lifecycle—from borrower onboarding and credit assessment to repayments and collections—enabling lenders to launch and scale payday lending products quickly.
Yes. The platform is built with RBI Digital Lending Guidelines in mind and includes features such as borrower consent management, Key Fact Statement (KFS) generation, audit trails, digital KYC integrations, and configurable compliance workflows. This helps lenders meet regulatory requirements while maintaining transparency and security.
Absolutely. AllCloud provides a no-code, configurable credit decision engine that allows you to define your own eligibility criteria, underwriting rules, approval workflows, risk parameters, scorecards, and lending policies without custom development.
Yes. The platform supports flexible loan products, including payday loans with short repayment tenures, bullet repayment structures, and customized EMI schedules. Lenders can configure repayment frequency, tenure, interest calculation, and repayment rules based on their business model.
Yes. AllCloud is built on an API-first architecture that enables seamless integration with your preferred Lending Service Providers (LSPs), KYC providers, credit bureaus, payment gateways, banking partners, and other third-party services. This allows you to retain your existing ecosystem while digitizing your lending operations.
Yes. The platform includes a dedicated Co-Lending module that supports RBI-aligned co-lending models, automated loan splits, partner settlement, FLDG tracking, reconciliation, and reporting. It is designed for NBFC-bank partnerships and multi-partner lending programs.
Most implementations are completed within 4–6 weeks, depending on the complexity of your workflows, integrations, and product configurations. Pre-built APIs, configurable workflows, and ready integrations help accelerate deployment compared to traditional lending platforms.
Build a fully compliant, API-first PayDay lending business using India's most advanced Unified Lending Technology.
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