Digital Lending

” Enhanced loan processing, faster decision making “

Digital lending is the process of disbursing and collecting loans via websites or mobile apps. It enables prompt disbursal and aids in cost reduction.

Non-Banking Financial Companies (NBFCs) and Lending Service Providers (LSPs) work together to provide credit to clients using the latter’s platform. However, these platforms frequently engage in risky behaviour by lending to borrowers who are unable to repay the money.

BANK STATEMENT ANALYZER

AUTOMATED SOFTWARE TO FIND THE BORROWERS LOAN ELIGIBILITY.

FINANCIAL STATEMENT ANALYZER

DOES QUICK CALCULATION OF CMA FOR BORROWER BASED ON THE INFORMATION CAPTURED.

DIGITAL LENDING SOFTWARE

ZIRAC INDIA HAS DEVELOPED AN END-TO-END CLOUD-BASED LENDING SOLUTION FOR BANKS, NBFCS AND DIGITAL LENDERS.

ITR ANALYZER

CAPTURES THE INCOME TAX RETURN OF THE BORROWER IN REAL-TIME.

GSTR ANALYZER

CAPTURES AND ANALYSES THE RETURNED/
DEFECTIVE GOODS OF THE BORROWER.

For banks, NBFCs, and digital lenders, Zirac India has developed an end-to-end cloud-based lending system. Platform is driven by Zirac India APIs and uses cutting-edge technology to help originate loans. It uses financial statement analysis to determine loan eligibility. Customers can receive an in-principle approval using our digital lending platform in less than 30 minutes.

USPs

Utilizing Zirac India APIs for bank statements, ITRs, GSTRs, and financial statement analysis, consent-based architecture for client data pull enables eligibility determination.

Custom report according to bank credit policy.

Suitable for a variety of loan kinds, including mortgage loans, personal loans, business loans, and lending to MSMEs.

e-signatures and loan acceptance provisions

Co-Lending proposals.

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Digital Transformation is a fundamental reality for businesses today