One RBI-compliant lending platform that takes a borrower from application to repayment — instant approvals, automated underwriting, eKYC, and NACH/eNACH auto-debit — whether you're running 36-month personal loans or 15-day payday cycles.

.webp)


.webp)
.webp)


.webp)

.webp)
.webp)
.webp)
.webp)

.webp)

.webp)
Personal loan software is a digital lending system that automates the complete cycle of unsecured personal loans from application through automated credit underwriting, sanction, disbursement, EMI servicing, and collections. Replacing spreadsheets, physical files, and manual credit checks with a single connected process—what once took days can now be sanctioned in minutes.
AllCloud's personal loan software is built specifically around how personal loans actually behave in the Indian market: larger ticket sizes than payday or salary advance, longer repayment terms, and a credit decision that has to hold up over years, not weeks. Dedicated underwriting logic for long-term loans handles risk differently than short-cycle products—which is why you can run personal loans on the same platform as payday and salary advance without forcing one product's logic onto another.
Application capture, eKYC, product templates
Bureau scoring, rules engine, exception routing
EMI scheduling, ledger, prepayment, foreclosure
Fieldapp, NACH/UPI Autopay, recovery dashboards
Bureaus, KYC, Banking, Payment

configurable application journeys for salaried and self-employed applicants, with document capture, eKYC, and product-specific eligibility rules built in per scheme.

real-time bureaupulls (CIBIL, Experian, Equifax, CRIF), income verification via bank statements or Account Aggregator, and aconfigurable BRE that scores DPD, enquiries, and repayment capacity — not just a credit score cutoff.

automated EMI generation, interest accrual, part-prepayment, foreclosure, and moratorium handling, with a clean ledger that reconciles automatically instead of requiring manual adjustment entries.

Different pricing and eligibility bands for different risk tiers, without needing a separate system or manual override sheet for each.

Different pricing and eligibility bands for different risk tiers, without needing a separate system or manual override sheet for each.
Configure and launch secured loans, term loans, lines of credit, BNPL, and more — all from the same control plane, with shared compliance, decisioning, and servicing.

LAP, gold, vehicle, and securities-backed lending with collateral valuation, charge creation, and lien management built in.

Paperless onboarding via eKYC to instant underwriting, fast disbursement, and repayments via ENACH, NACH, or UPI Autopay.

Fixed-tenure loans for personal, business, or education needs — with moratoriums, step-up/down EMIs, and clean ledger accounting.

Revolving products like salary overdrafts and working capital, with dynamic utilization tracking and repayment-based limit reviews.

RBI-compliant point-of-sale credit with real-time checkout eligibility, merchant settlements, and zero-cost EMIs out of the box.

High-velocity 7-to-90-day credit with payroll integration and automated salary-day recovery via NACH or UPI Autopay.

Instant access to earned wages, with payroll or bank-statement eligibility checks and configurable cooling-off periods.
Aligned to RBI Digital Lending Guidelines, SEBI reporting, and NPCI mandate rules:

borrower knows the lending NBFC's name pre-sanction, even via an LSP-branded app.

funds move only between borrower and NBFC, never through the LSP.

auto-generated per loan, with APR and all-in cost.

configurable per product, including short-tenor payday loans.

auditable consent, no contact/gallery access, data stored in India.
AllCloud's cloud-native lending infrastructure connects to India's financial data ecosystem out of the box — so you never build integrations from scratch.

An employer is onboarded once; its employees then get access to a pre-approved advance limit calculated from verified payroll data or bank-statement income — no separate bureau pull needed per request. The advance is repaid automatically at the next payroll run, so there's no separate collections workflow to manage.
no bureau dependency required for basic earned-wage products.
a single employer integration extends the product to every consenting employee, built for B2B2C rollout at scale.
aligned to RBI norms, applied automatically per advance.
eNACH/UPI Autopay, so no separate payments integration is needed.
A digital lending platform automating onboarding, eKYC, underwriting, disbursement, EMIscheduling, and collections for unsecured personal loans — used by banks, NBFCs,fintechs, MFIs, and cooperative banks to replace manual processes.How is loan origination software different from a loan management system?LOS handles everything pre-disbursement — application, eKYC, decisioning, sanction.LMS handles post-disbursement — repayment scheduling, ledger, collections. AllCloudruns both together.
Payday loan software is built for short-tenor (15–45 day), salary-cycle-linked credit repaidvia auto-debit, while personal loan software is built for longer, EMI-based repayment over12–60 months. Payday is BRE-first and built around capital velocity (8–10x annualturnover); personal loans are underwritten for repayment capacity over a much longerhorizon.
Software for earned-wage access, based on payroll or bank-statement data rather than a
bureau-driven credit decision — employer-anchored, lower credit risk, repayment deducted at the next payroll run.
The combination of BRE-first decisioning, an LSP + NBFC-compliant co-lending structure,built-in capital-velocity economics, and full post-disbursal servicing — origination, recovery, and compliance in one platform rather than stitched-together tools.
Yes — built-in LSP disclosure, direct NBFC-to-borrower fund flow, KFS generation, coolingoff enforcement, auditable consent, and grievance redressal across all products.
Most lenders go live in weeks using configurable templates and pre-built Indian bureau,KYC, and payment integrations — no custom coding for standard products
Build a fully compliant, API-first PayDay lending business using India's most advanced Unified Lending Technology.
