What lenders and fintech founders ask before working with us.
Appryze is a lending software company based in New Delhi, India. It builds loan origination systems (LOS), loan management systems (LMS), digital lending apps, collections software and co-lending platforms for NBFCs, banks and fintechs, and runs borrower-acquisition campaigns for lenders once they are live.
A loan origination system (LOS) handles everything before disbursal: application, KYC, bureau and bank checks, credit decision, sanction, Key Fact Statement, e-sign, e-mandate and disbursal. A loan management system (LMS) handles everything after: repayment schedules, interest accrual, EMI collection, DPD and NPA tracking, collections, foreclosure and accounting.
Appryze builds lending software around your credit policy, loan products and partners, reusing proven modules for common pieces such as KYC, bureau, e-mandate and payment integrations. You own the code and it runs on your own cloud account.
It depends on the number of loan products, integrations and approval layers. After a free scoping call Appryze commits to a fixed scope, quote and timeline in writing. A single-product digital lending journey launches much faster than a multi-product NBFC platform with legacy data migration.
The workflows are designed around the RBI Digital Lending Guidelines: Key Fact Statement with APR, direct disbursal to the borrower's account, repayments direct to the regulated entity, consent logs, cooling-off settings and data localisation on Indian cloud regions. Regulatory compliance remains the lender's responsibility; Appryze builds the controls your compliance team specifies.
NBFCs, housing finance companies, fintech lending service providers, banks and co-lending partners, mainly in India, with fintech clients in the UAE and the US.
A loan origination system is the software a lender uses to take a loan from application to disbursal: borrower onboarding, KYC, credit bureau and bank statement checks, a rules engine for eligibility and pricing, underwriting and approvals, sanction letter and Key Fact Statement, e-sign, e-mandate and disbursal.
Aadhaar OKYC, CKYC, PAN verification, DigiLocker, video KYC, Account Aggregator, bank statement analysis, credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark), Aadhaar e-sign, e-NACH and UPI AutoPay mandates, payout APIs, SMS and WhatsApp. Integrations are chosen per project based on your vendors.
Yes. Eligibility, deviation and pricing rules and scorecards are configured in a business rules engine with versioning and approval, so credit policy changes do not need a code release.
Yes. Partner portals and APIs let DSAs, lending service providers and co-lending partners submit and track applications, with role-based access, loan-level splits and a full audit trail.
Yes. Appryze deploys on your AWS, Azure or Google Cloud account in an Indian region to support data localisation, and hands over the source code.
A loan management system services loans after disbursal: repayment schedules, interest accrual, EMI collection, charges, DPD and asset classification, collections, part-prepayment, foreclosure, NOC and accounting entries.
e-NACH presentation with bounce handling, UPI AutoPay, payment gateway links, and manual or branch receipts, with automatic allocation to charges, interest and principal.
Yes. DPD is computed daily, accounts move through SMA and NPA stages based on configurable IRAC-style rules, and provisioning and portfolio reports are generated for finance and risk teams.
Yes. Appryze maps and migrates loans from spreadsheets or a legacy LMS, runs both systems in parallel, and reconciles balances before cut-over.
Yes. Disbursal, accrual, collection and write-off entries are posted double-entry and exported to Tally, Zoho Books or your ERP.
LOS, LMS and collections platforms are quoted as a fixed price after a free scoping call, based on loan products, volumes and integrations. Standalone lending and fintech apps start from ₹50,000 in India and $699 for US and global clients.
Both. Most borrower and agent apps are built in Flutter so one codebase ships to Android and iOS. Native Kotlin or Swift is used when an SDK or performance need requires it.
You do. Appryze deploys on your cloud and developer accounts and hands over the full source code, so there is no vendor lock-in or per-loan licence fee.
Management starts from $200 per month per channel, with ad spend paid directly to Google or Meta from your own account. Every engagement starts with a free ad account audit and a written plan.
Yes. Appryze has run Google App campaigns, Search and Meta campaigns for lending and fintech brands, optimising toward approved and disbursed loans rather than raw installs or sign-ups.
Yes, with conditions. Google requires financial services verification for advertisers in India and Meta has special ad category rules for credit. Appryze sets up verification and policy-compliant creatives as part of onboarding.
Message us on WhatsApp or send your details and we'll reply within 24 hours.
Book a free scoping call