Create Forms & Plug in APIs
Design Forms for your borrowers, internal teams & third party agencies. Trigger APIs in real-time.
Best No-Code Loan Origination System (LOS)
For lenders who want to scale.
Fully configurable and RBI compliant.
Built to go live in hours. Without Engineers.
You bring the lending expertise. We bring the tech that scales it.
Features you must have in a Modern Loan Origination System (LOS)
FinStack's No-Code Loan Origination System (LOS) provides powerful features for any loan product - Personal loan, Term loan, Education loan, Home loan, Loan Against Property, Invoice Discounting, Vehicle loan, Pre-owned Vehicle loan, Gold loan, Consumer Durables, and MORE.
Truly No-Code Loan Origination System (LOS)
FinStack lets you launch and manage your loan products without a single engineer.
- Go live in days, not months
- Make real-time changes in borrower journeys and credit policies
- Continuously add or replace APIs
Hosted Entirely On Your Cloud
FinStack is deployed securely on your cloud.
- Your data and configurations are only visible to you
- Use any cloud - AWS, GCP, Azure, etc. or even On-Prem
- VAPT Compliant and adapts to your Information Security (IS) policy
API Marketplace
FinStack's LOS supports any and all APIs in the Indian FinTech ecosystem
- APIs for KYC, KYB, GST, Bureaus, AA, e-Signing, Mandates and more
- Purchase APIs from us or plug in your own
- Batch processing with customised reports
Self-serve, Assisted, & Hybrid Onboarding
FinStack lets you support customers who are stuck or need assistnance
- Redirect borrowers to any desired screen
- Enter data on behalf of borrowers
- Natively suppoered for all journeys
Adapts To Your Business
FinStack adapts to your business needs and processes with excption management.
- Granular role based access control with maker-checkers
- Define your user hierarchy for each branch
- Provide access to third party agencies for Field Inspection, Legal, RCU etc.
Support For LSPs and DSAs
FinStack helps you distribute your loan products through FinTechs and DSAs.
- Manage your DSA and sub-DSA fleet and track their performance
- Embed your loan products in partner's apps
- Co-lend or share leads with other lenders
How FinStack Works
FinStack's no-code LOS is deployed securely on your cloud with all your data and configurations completely under your control.
Build Borrower & User Journeys
Use a visual journey builder to define every screen, interaction and credit appraisal process - for your borrowers and internal teams.
Simulate & Back Test Credit Policies
Utilize our powerful business rule engine to apply your credit policies consistently and automate decision-making across various loan products.
Set Up Roles & Dashboards
Process approvals faster with automated workflows, digital signatures, and seamless integration with your core banking and loan management systems for quick disbursal.
Why Choose FinStack?
See how FinStack's modern approach compares to traditional Loan Origination Systems
FinStack's LOS
Traditional LOS
Data Storage
✅ Entirely on your cloud
⚠️ Vendor's cloud
Role Based Access Control (RBAC)
✅ Adapts to YOUR organisation
⚠️ Partial or hardcoded
Turnaround Time for Changes
⚡ 1 Day
🐢 2-3 Weeks
Visual Rule Builder
✅ Yes
✅ Yes
API Marketplace
✅ Any API, any vendor
⚠️ Limited Vendor Support
Platform Setup & Staff Training
✅ Yes
✅ Yes
Change Requests
🧘♀️ Covered in your subscription
💰 Additional cost
Customer Success Stories
See how leading Banks and NBFCs in India have transformed their loan origination with FinStack.
Western Capital Advisors Pvt Ltd (Prabhaav Loans)
₹123.6 Crore disbursed in first year of launch!
FinStack helped Prabhaav Loans launch retail Home Loan and Loan Against Property products in 42 branches across 4 states supporting a team of 400+ employees in less than 6 months.
9.5x
Monthly Loan Approval Volume
8.5x
Monthly Loan Approval
↑ 180%
Monthly Leads per RM
FinStack's System Architecture & Deployment Strategy
Deployed on your cloud using your preferred cloud infrastructure.
FinStack's entire platform can be hosted on any cloud or even on-premise. Store data in our cloud native containers or your preferred cloud vendor's managed services.
↓ 40%
Cloud Costs
100%
VAPT Audit success rate
99.6%
Uptime
RBI's Master Direction on Information Technology Governance, Risk, Controls and Assurance Practices
How FinStack ensures complete compliance as per RBI's Master Directions
At FinStack, we've architected our no-code Loan Origination System (LOS) with compliance at its core - so your digital lending operations are not just fast and scalable, but also audit-ready, resilient, and regulator-aligned.
Yes
Audit Compliant
100%
VAPT Audit success rate
Yes
DR Ready
Frequently Asked Questions
Get answers to common questions about FinStack's Loan Origination System
What is a Loan Origination System (LOS)?
A Loan Origination System (LOS) is a software solution that automates and manages the end-to-end process of loan origination, from application intake to underwriting, approval, and disbursal. It helps financial institutions streamline their lending processes, reduce manual effort, and make faster, more consistent credit decisions. FinStack's LOS is designed for the Indian market with compliances as per RBI regulations.
How does FinStack's LOS differ from traditional systems?
Unlike traditional systems that require months of development for simple changes, FinStack's LOS is built on a modern, cloud-native architecture that offers greater flexibility, scalability, and customization compared to traditional systems. FinStack's no-code configuration interface, pre-integrated API marketplace across vendors, and powerful business rule engine allow you to implement changes faster and adapt to market needs without any engineering involvement.
How long does it take to implement FinStack's LOS?
2-3 Weeks. Unlike traditional LOS implementations that take at least 3-6 months, FinStack's solution can be deployed in a matter of weeks. Our modular approach allows you to start with core functionality and add capabilities as needed, reducing time to market and allowing you to realize ROI faster.
Can FinStack's No-Code Loan Origination System (LOS) integrate with our existing Core Banking and Loan Management Systems (CBS, LMS, CRMs, etc)?
Yes, FinStack's LOS is designed with open APIs and flexible integration capabilities to connect seamlessly with your existing CBS, LMS, CRMs and other enterprise applications. We have pre-built connectors for major banking systems and can develop custom integrations as needed. Our API-first approach ensures compatibility with virtually any system.
Is FinStack's LOS secure and compliant with regulations?
Absolutely. Security and compliance are foundational to our platform. FinStack's LOS is built with bank-grade security, follows ISO 27001 standards, and is regularly audited for vulnerabilities. Our platform helps you maintain compliance with RBI guidelines, including digital lending regulations, KYC/AML requirements, and data privacy laws.
What types of financial institutions can use FinStack?
FinStack is designed for Banks, NBFCs, LSPs (Loan Service Providers), DSAs (Direct Selling Agents), and other financial institutions that process loans. Our platform is scalable from small lending companies to large banking institutions. We have specific modules optimized for different types of lenders and loan products.
Does FinStack support mobile applications?
Yes, FinStack provides white-labelled mobile-responsive web applications and can integrate with native mobile apps. Our platform supports both iOS and Android applications through our comprehensive API suite.
Still have questions? We're here to help!
Contact UsTransform Your Lending Process Today
Join leading Banks and NBFCs across India who have revolutionized their loan origination with FinStack.
