LenderOS by Neetix

One stack runsthe whole loan.

Bureau pulls, credit decisioning, and KYC as APIs today. The LOS, LMS, and CRM to run the whole loan.

Book a demoExplore the APIs

4

credit bureaus, soft + hard pull

7

bureau report formats parsed

825+

pre-built credit features

<200ms

KYC check latency

<30ms

credit decision latency

<7 days

from contract to go-live

Integrated rails, live in production today.

  • CIBIL
  • Experian
  • Equifax
  • CRIF High Mark
  • Surepass
  • Digitap
  • DigiLocker

The Suite runs every stage of the loan today.

Six stages from applicant to repayment. Typical end-to-end time on LenderOS: under 4 minutes.

01OnboardKYC & identityPAN, Aadhaar OTP, DigiLocker, face match. One flow, any provider.
02VerifyBank verificationAPI soonPenny drop with name match, PAN linkage, statement analysis over AA rails.
03UnderwriteBureau + decisioningSoft or hard pull across four bureaus, BRE decision in under 30ms.
04SigneSign & agreementsAPI soonKFS and agreement generated, signed with Aadhaar OTP eSign.
05DisbursePayoutsAPI soonIMPS and NEFT disbursals with UTR tracking, straight from the sanction.
06CollectMandates + paymentsAPI sooneNACH presentation on due dates, UPI links for the rest, webhooks reconcile it all.

Two API families live today. Four more on the way.

Bureau pulls and KYC are in production now. Bank verification, mandates, eSign, and payments join the same interface next — each provider an adapter you can swap per program.

Bureau pulls

All four bureaus. Soft or hard. One response shape.

CIBIL, Experian, Equifax, CRIF High Mark

POST /v1/bureau/pull

KYC & identity

Verify a borrower in one flow, not five vendors.

Surepass, Digitap, DigiLocker

Live at liveliness.neetix.in
Coming soon

Bank verification

Know the account is real before a rupee moves.

Coming soon

eNACH mandates

Registration to presentation, without the NPCI paperwork.

Coming soon

eSign & agreements

Sanction letter to signed agreement in one sitting.

Coming soon

Payments

Disburse out, collect back, reconcile everything.

The Suite

APIs run the loan. The Suite runs the business.

Pre-wired into the same endpoints, so your ops team gets working queues on day one instead of a six-month internal tools project.

LOS

Origination

Underwriting queues, KYC review desk, sanction and KFS flow, disbursal approvals. Every API stage becomes a queue your team works.

LMS

Servicing

EMI schedules, repayment allocation, foreclosure and NOC, settlement waivers, DPD buckets, field-visit tracking.

CRM

Operations

Funnels, cohorts, dropoff analytics, tickets, comms, org-chart routing. Forty-plus modules your ops team lives in.

See the platform

Software, plus the people who get you live.

Tech alone does not ship loans. Our team plugs in alongside yours until production traffic flows.

Operations

Team structure, SOPs, partner integrations, RBI digital lending alignment. From license to first disbursement.

Credit policy

Your underwriting policy translated into versioned, auditable BRE rules running inside the decision engine.

Banking rails

Bank tie-ups, escrow and nodal accounts, disbursement rails, collection accounts. We know the gotchas.

Taking real applicationsin under a week.

Pre-built journeys, pre-integrated rails. Configure, brand, go live.

Book a demotech@neetix.in
  • No seat-based pricing
  • Self-deploy supported
  • RBI digital lending aligned