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Lenders
SmartLOS
SmartLOS - The Intelligent Loan Origination System Software
Accelerate Lending. Reduce Risk. Delight Borrowers.
Transform your loan origination process from slow & manual to fast, automated, and compliant. SmartLOS Software is a cloud-native, end-to-end Loan Origination System (LOS) built for modern financial institutions - small finance banks, retail banking, SME lending, personal loans, vehicle finance, and more.
SmartLOS Software is a powerful, modular Loan Origination System that digitizes and automates the complete lending lifecycle - from lead capture and application submission to credit decisioning, disbursement, and post-approval tracking.
Trusted by 300+ lenders,
800+ fintechs & banks across 30+ countries
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Cooperative Credit Societies
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Employee Coop Credit Societies
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End Customers Serviced
Everything you need in a modern lending platform
At its core, our loan management system is highly configurable, enabling lenders to tailor nearly every aspect of the process, streamlining the entire loan lifecycle management.
Flexible repayment options
Loan restructuring capability
Moratorium & subvention handling
DPD & NPA tracking
Integrated reports repository
Built to shape the future of lending
Create 15+ unsecured & secured loan products from a single UI and scale your lending operations with ease
Personal Loan
Business / SME Loan
Vehicle / EV Loan
Gold Loan
Education Loan
Loan Against Mutual Funds
Loan Against Property
Frequently Asked Questions
What is SmartLOS?
SmartLOS is a cloud-native Loan Origination System that automates loan onboarding, credit evaluation, approvals, and disbursement.
Who should use SmartLOS?
SmartLOS is ideal for banks, NBFCs, fintech lenders, and financial institutions offering retail, SME, and MSME loans.
Does SmartLOS support digital KYC?
Yes. It integrates Aadhaar eKYC, CKYC, document uploads, credit bureau checks, and digital signatures.
Can SmartLOS manage multiple loan products?
Yes. It supports personal loans, business loans, vehicle loans, gold loans, and configurable lending products.
How does SmartLOS reduce turnaround time?
By automating workflows, rule-based decisioning, and document verification, SmartLOS reduces approval time from days to minutes.