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.

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.


  • Utilizing ScoreMe 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.
  • Interface with 12 loan management systems already in place.
  • e-signatures and loan acceptance provisions
  • Co-Lending proposals.

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Digital Transformation is a fundamental reality for businesses today