Loano — the whole lending cycle.
Loano carries a short-term lender through the entire cycle — lead capture, KYC, underwriting, disbursal, repayment and collections — in a single multi-tenant system, with the reporting and audit trail a regulated lender has to produce.
What is Loano?
Loano is ITLabz Technology’s loan CRM for NBFCs and lending service providers in India. It covers origination, KYC, underwriting, disbursal, repayment and collections in one multi-tenant system, with configurable credit policy and an auditable record of every decision.
Who it’s for
NBFCs running short-term and personal loan books Lending service providers originating on behalf of a lender Fintechs that have outgrown spreadsheets and a generic sales CRM
Lead capture to recovery.
One system across the loan lifecycle, so nothing lives in a spreadsheet between stages.
Origination & onboarding
Lead capture from your own channels and partners, de-duplication against existing borrowers, and a guided application that fails fast on the cases you would reject anyway.
KYC & verification
eKYC, document capture and bureau pulls in one step of the journey, with mismatches surfaced for review rather than buried in a PDF.
Underwriting & policy
Configurable credit policy — rules, limits and score bands you can change without a release — and a decision record showing exactly which rule fired.
Disbursal & repayment
Schedule generation, part-payments, foreclosure and rescheduling, with ledger entries that reconcile against what actually moved.
Collections & recovery
Delinquency buckets, allocation to agents, promise-to-pay tracking and a contact history that survives the borrower changing hands.
Reporting & audit
Portfolio, ageing and collection-efficiency reporting, plus an immutable trail of who changed what — the artifact an auditor asks for first.
Built for lending, not adapted to it.
Built for lending, not adapted to it
Most lenders end up bending a sales CRM into shape. Loano models the loan itself — schedules, buckets, part-payments, write-offs — so collections is a first-class stage rather than a bolt-on.
Multi-tenant by design
Each lender runs on its own subdomain with its own data and its own configuration. Adding a tenant is provisioning, not a fork of the codebase.
Policy changes without a release
Credit rules, limits, fees and score bands are configuration. A policy change is a change your team makes, not a ticket that waits for our sprint.
The audit trail is the product
Every decision records its inputs and the rule that produced it. When a regulator or lending partner asks why an application was declined, the answer is in the system.
AI inside Loano
- KYC document review that extracts fields and flags mismatches instead of asking an operator to key them
- Credit-risk features assembled from bureau and alternate data, with the reasoning visible to the underwriter
- Collections prioritised by likelihood to cure, so agents spend the day on accounts that will respond
- Borrower queries answered from your own policy documents, escalating to a human when it cannot ground an answer
Before you ask.
Both. It is our product, deployed per lender as its own tenant, and we extend it for the workflows a given lender needs. You are not choosing between off-the-shelf and bespoke.
Yes. Loano can be deployed into your own Azure subscription where data residency or your lending partner requires it, rather than only as a hosted tenant of ours.
Credit policy is configuration — rules, limits, fees and score bands your team edits directly. Each decision records which rules fired, so a policy change is auditable after the fact.
Typically a bureau, an eKYC provider, a payment or disbursal rail and your accounting system. We map those in discovery and confirm which are already supported before any commitment.
Your borrower data is yours and exportable. Custom work we build for you is transferred to you contractually, on the same terms as any other engagement.
Let’s build something exceptional.
Book a free discovery call. We’ll map your idea to a costed, de-risked delivery plan — no obligation.