FinStack

FinStack is a no-code loan origination system (LOS) designed for financial institutions to manage and launch loan products without requiring engineering resources. It supports banks, NBFCs, loan service providers (LSPs), and direct selling agents (DSAs) in the Indian financial market. The platform accommodates various loan products such as personal loans, home loans, education loans, vehicle loans, and gold loans. It is built to help lending organizations scale operations while adhering to RBI regulations. The system operates in a no-code environment, allowing users to make real-time adjustments to borrower journeys and credit policies. It includes an API marketplace tailored to the Indian FinTech ecosystem and supports deployment on the cloud infrastructure of the client’s choice. Various onboarding options are available, enabling staff to assist borrowers or input data on their behalf. The platform offers role-based access control, maker-checker workflows, and customizable user hierarchies for branch-level management. The visual rule builder allows simulation and testing of credit policies. The system supports compliance with RBI regulations and digital lending guidelines. Financial institutions can manage DSA networks, embed loan products into partner applications, and facilitate co-lending or lead-sharing arrangements. Data is securely hosted on the client’s chosen cloud environment, ensuring full control over information.