Launch your Pay Day Loan business in weeks, not months

A complete RBI-compliant PayDay Loan Software platform unifying Loan Origination, Loan Management, BRE Decisioning, eKYC, Account Aggregator, eNACH and Collections — purpose - built for NBFCs and Digital Lenders.

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Empowering the Core of Lending

Globally loved by companies that build lending products at speed and scale

Why traditional Lending Platforms fail for PayDay Loans?

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

Everything you need to launch a PayDay lending business

Purpose-built for 15–45 day loans, salary advances and high-frequency repeat borrowers — not a generic LOS stretched to fit.

Loan Origination System

Omni-channel lead capture, digital onboarding and multi-level approvals at speed.

Loan Management System

Bullet repayments, flexible schedules and automated servicing built for short tenures.

Business Rules Engine

Configurable credit policy, risk scoring and instant auto-decisioning with deviation routing.

Digital KYC

Aadhaar, CKYC, Digilocker, PAN and video KYC integrated into a single onboarding flow.

Account Aggregator

Consent-based bank statement analysis for real income and repayment-capacity signals.

Collections Engine

eNACH auto-debit, digital reminders, field-force app and delinquency risk scoring.

API Integrations

100+ APIs across bureaus, KYC, payments, corebanking, CRM and ERP systems.

Analytics Dashboard

Real-time portfolio, PAR, CAC and disbursal funnels for executive decision-making.

One workflow, from application to closure

Every step is logged, consented and auditable under RBI's Digital Lending Guidelines.

Fully automated underwriting, powered by BRE

Configure your own credit policy — the engine decides in milliseconds, not days.

DECISION INPUTS

✓ Credit score

✓ DPD history

✓ Verified income

✓ Employer check

✓ Bank balance

✓ Fraud score

✓ Existing loans

✓ Repeat behaviour

DECISION OUTCOMES

Approve — auto-priced offer

78.4%

Manual review — deviation route

14.1%

Decline — policy breach

7.5%

See BRE in Action

Launch with your existing LSP and API ecosystem

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

Built around RBI Digital Lending Guidelines

Compliance by design — not an after thought bolted on before audit.

Key Fact Statement

Standardised, upfront cost disclosure on every offer.

Borrower Consent

Explicit, logged consent at every data-sharing step.

Cooling-off Period

Built-in window before disbursement, per RBI norms.

Direct Fund Flow

Disbursement moves lender-to-borrower with no pass-through.

Audit Trails

Immutable logs across origination, decisioning and servicing.

Data Localization

Borrower data stored and processed within India.

Grievance Workflow

Structured borrower escalation and resolution tracking.

FLDG Ready

Configurable co-lending and default-guarantee structures.

Why PayDay Loans are more profitable — when the platform keeps up

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.

Traditional term loan
Capital locked - months
AllCloud PayDay platform
10× capital velocity

90%

Straight-through processing

40%

Lower operational cost

4 wks

Typical go-live

70%

Less manual underwriting

Built exclusively for lenders — not adapted from generic software

Capability
Traditional Lending Software
AllCloud PayDay Platform
Bullet repayments
Not supported
Native support
BRE automation
Manual review
Real-time auto-decisioning
Repeat borrower journeys
Starts from scratch
Pre-approved fast-track
Digital KYC + AA
Partial
Fully integrated
RBI compliance
Retrofitted
Compliance by design
Scalability
Manual scaling
Cloud-native, auto-scaling
Collections
Manual field-only
Digital + field, automated
Go-live time
3–6 months
~4 weeks

Frequently Asked Questions

What is PayDay Loan Software?

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.

Is the platform RBI compliant?

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.

Can I configure my own credit policy?

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.

Does it support bullet repayment and short tenures?

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.

Can I use my own LSP partners?

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.

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.

Does it support co-lending and FLDG structures?

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.

How long does implementation take?

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.

Ready to launch your PayDay lending business?

Build a fully compliant, API-first PayDay lending business using India's most advanced Unified Lending Technology.

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