Loan Management & Lending Software Development
End-to-end LOS/LMS for digital lending, EMIs, collections and credit scoring
Digital lending is transforming credit access across India. AdelSocial builds loan origination and management systems (LOS/LMS) with digital application, eKYC, credit scoring, disbursal, EMI scheduling and collections, so NBFCs, fintechs and lenders can approve and service loans fast and compliantly.
Problems we solve
The operational friction killing growth right now. Each one eliminated by what we build.
Slow manual underwriting
Paper-based approval takes days and loses borrowers.
Poor collections
Manual follow-ups mean rising NPAs and missed EMIs.
Credit risk
Without data-driven scoring, defaults are hard to predict.
Compliance & reporting
Lending needs KYC, agreements and regulatory reporting.
Everything we ship
Standard in every engagement. Add more, remove some — each build adapts to your scope.
Loan Origination
Digital application, document upload and workflow-based approval.
eKYC & Verification
Aadhaar/PAN eKYC, bank and income verification.
Credit Scoring
Bureau + alternate-data scoring and rule-based decisioning.
Disbursal & EMI
Automated disbursal, EMI schedules and repayment tracking.
Collections
Reminders, auto-debit (eNACH), and delinquency workflows.
Reports & Compliance
Portfolio, NPA, and regulatory-ready reporting.
Built with modern, battle-tested tech
We pick the stack based on your scale, team and 5-year maintainability — not what's trendy.
- React / Flutter
- Borrower app + web
- Admin panel
- Laravel / Java
- Rules engine
- Ledger
- Bureau, eKYC, eNACH
- Payment gateway
- AWS
How we ship
Transparent, milestone-based process with weekly demos. No black box, ever.
Discovery & Scoping
We map your requirements, users and success metrics for the fintech, then lock scope, milestones and a fixed quote.
UI/UX Design
Wireframes to pixel-perfect screens for every flow, reviewed with you before a line of code is written.
Architecture & Setup
Database schema, API design, cloud infrastructure and a security baseline built for your scale.
Development
Feature-by-feature builds shipped to a staging URL every week for your live feedback.
QA, Security & Testing
Manual and automated testing, load testing and a security pass before anything goes live.
Launch & Support
Deployment or app-store submission, plus post-launch support, monitoring and iteration.
Transparent pricing
Starting points based on business stage. Every tier is customizable — the final number depends on scope.
Startups & MVPs
- Loan Origination
- eKYC & Verification
- Credit Scoring
- Admin dashboard
- 3 months support
Growing businesses
- Everything in Starter
- Disbursal & EMI
- Collections
- Payment & API integrations
- 6 months support
Large-scale & enterprise
- Everything in Growth
- Reports & Compliance
- Custom integrations & white-label
- Dedicated project manager
- 12 months support + SLA
Frequently asked questions
It starts around ₹4,00,000 and ranges up to ₹30,00,000 for full LOS+LMS with integrations and apps.
Yes — origination, underwriting, disbursal, EMI and collections built for NBFCs, fintechs and co-lending.
Yes — bureau and alternate-data scoring with a configurable rules engine for decisioning.
Yes — we integrate KYC, bank/income verification, credit bureaus and eNACH auto-debit.
We build KYC, agreements, audit logs and regulatory reporting aligned to RBI digital-lending norms.
Ready to ship?
Book a 30-minute consultation. We'll scope your project, estimate accurately, and share recommendations — no sales pressure, no obligations.