LOS · LMS · Lending apps · Collections

Lending software development studio

We design and build loan origination systems, loan management systems, digital lending apps and collections tools for NBFCs, banks and fintechs — built by a team that has shipped 12+ apps.

What we build

Lending software, end to end

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Loan origination system

Onboarding, eKYC, bureau and bank data, rules engine, underwriting, KFS, e-sign, e-NACH and disbursal.

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Loan management system

Schedules, interest accrual, NACH and UPI AutoPay collections, DPD, NPA classification and GL postings.

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Lending & fintech apps

Borrower, agent and collections apps in Flutter or native Android and iOS, shipped to the stores.

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Collections software

Allocation, tele-calling queues, field agent app, payment links, PTP tracking and recovery dashboards.

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Credit decisioning

Rules engines and scorecards on bureau, bank statement and alternate data, editable by your credit team.

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Co-lending & partner APIs

DSA, LSP and co-lending portals and APIs with role-based access and audit trails.

Track record

Fintech and lending brands we've worked with

Lending, fintech and consumer products for teams in India, the UAE and the US.

Fintech & Lending

Bajaj FinservRam FincorpKamakshi MoneyFinverse

Our own apps

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Capabilities

The stack we build lending software on

FlutterNative Android & iOSNode.jsPythonPostgreSQLRules enginesCredit scoringAI & LLMeKYC & CKYCAccount AggregatorBureau integrationse-NACH & UPI AutoPayAWS & Azure India regions
Engagement

Fixed scope, fixed quote

No hourly meter. A clear scope and a fixed quote before we start. You own the code and it runs on your cloud.

Lending & fintech apps
from ₹50,000

Borrower or agent apps and fintech websites. US & global from $699.

Get a fixed quote
FAQ

Lending software development: cost and ownership

How much does lending software development cost?

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.

Do you build lending apps in Flutter or native?

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.

Who owns the code?

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.

Can you integrate with the systems we already run?

Yes. Appryze builds APIs and connectors to existing LOS, LMS, core banking, accounting and partner systems, so you can replace one piece at a time.

More questions answered →

Tell us about your lending platform

Takes 2 minutes. We reply within 24 hours with a scope and a quote.

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We only take on a few new projects a month, so we review every enquiry personally.

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