Cut approval time, lift recovery rates, and run the full loan lifecycle without switching systems.
Application to disbursal, one workflow for credit, ops, and sales.
First bucket to final settlement, across the field, the phones, and the floor.
Built for lending, from the outcomes it delivers to the architecture behind them.
Every decision is live against current evidence — if a bureau pull refreshes, a document gets re-verified, or a policy updates, Finflo forces re-decisioning. Nothing is approved, or stays approved, on stale evidence.
Higher application-to-sanction conversion. Lower borrower drop-off to competing lenders.
Better login-to-sanction ratios and cleaner file quality at first submission with AI features.
Deterministic rule logic, not black-box AI agents — every decision traces back to the rule that fired.
Native flow management across digital, DSA broker, and channel-partner networks — not a single retrofitted form.
Every layer is built as one system, not stitched from parts — the same lending intelligence, application record, and rule logic run under every product, hosted on your terms, not a fixed default.
Models and decision logic built for lending, not bolted on from generic AI tooling.
Every product reads and writes to the same application, so nothing has to get re-entered or re-verified.
Data residency and control on your terms, not a fixed public-cloud default.
Policy changes don't require a model retrain, and model changes don't require a policy rewrite.
Your team stays in control, from application to recovery.
AI does the outreach. Your people decide what happens next.
Measured at lenders using Finflo. Results vary by book.
Security and compliance are built into every layer. Product-level detail is on each product page.
Aligned to RBI FREE-AI, the Customer Data Protection Advisory, and the Digital Personal Data Protection Act.
Built to India's Digital Personal Data Protection Act.
India-only hosting on MeitY-empanelled AWS.
Assessed by a CERT-In empanelled auditor.
Security controls aligned to the ISO 27001 standard.
Everything you need to know about Finflo's loan origination system and debt recovery platform.
Finflo is LeadSquared's AI-powered loan origination system (LOS) with a connected collections platform, built for banks and NBFCs in India. It takes loans from application and verification to sanction and disbursal, then manages recovery from early warning to legal action, all on one platform and one data model.
A loan origination system automates every pre-disbursement step: lead capture, KYC, document collection, bureau pulls, policy and fraud checks, credit assessment, approval, and disbursal. Finflo replaces manual, spreadsheet-driven origination with one configurable workflow for credit, risk, and operations.
An LMS handles the loan after disbursal — EMI tracking, servicing, repayment. An LOS handles everything before. Finflo is an LOS with a connected collections platform, so the full lifecycle sits on one data model. It integrates with any existing LMS or core banking system (Finacle, Flexcube, Mambu).
Indian NBFCs, housing finance companies, banks, and digital lenders running retail products — personal loans, LAP, home loans, vehicle loans, SME loans. Current users include Hinduja Leyland Finance, Kissht, Mahindra Finance, Volvo Financial Services and others.
Finflo's AI runs across seven modules: Studio (intake and form orchestration), Assistant (conversational application co-pilot), Extract (OCR and document classification), Verify (policy engine + bureau and fraud checks), Connect (Video KYC), Underwriter (automated credit decisioning and CAM synthesis), and Core (central intelligence layer).
Finflo customers report 35% faster credit decisioning TAT, 40% higher disbursal rates, 95% STP capability, and 60% automation across origination workflows. New credit products launch 2x faster than on traditional platforms.
Yes. Finflo is DPDP-ready, hosted in India on MeitY-empanelled AWS, CERT-In audited annually, multi-AZ with full disaster recovery, and operated under 24×7 security monitoring. Finflo's deterministic decision architecture produces mathematically explainable credit decisions that meet RBI's Digital Lending audit bar.
Finflo Verify runs CIBIL bureau pulls alongside CKYC, CERSAI, and RCU fraud checks, with eKYC, eSign, eNACH, and penny-drop integrations through pre-built connectors. The platform is headless and API-first, so it plugs into any core banking system, LMS, or sourcing channel.
Yes. Finflo is a headless, API-first LOS that integrates with Finacle, Flexcube, Mambu, or any custom-built core. No vendor lock-in. Origination data flows directly into Finflo's debt recovery platform if you choose to run both on one borrower record.
Finflo Debt Recovery is LeadSquared's AI-powered collections platform for Indian NBFCs, HFCs, and banks. It brings calling, field, legal, settlement, and repossession into one system, with AI-driven risk bucketing and propensity scoring across every DPD bucket, from X-bucket to SARFAESI.
Finflo's AI replaces blanket calling with risk-stratified action. Propensity-to-pay scoring ranks every borrower by likelihood to clear. Address scoring routes field officers to doors with real recovery history. Next Best Action picks the right channel and timing per borrower. Morning Trigger reaches overdue accounts before the first agent logs in. Deployments see 40% higher monthly collections recovery.
Seven live AI capabilities: Propensity to Pay Scoring, Next Best Action, Address Scoring, AI Voice Bot (multilingual), AI Debt Negotiator for OTS, Morning Trigger for pre-shift outreach, and Borrower 360 for full-context recovery decisioning. All run on the lender's own data, not generic models.
Yes. Field agents get a mobile app with geo-tagged visits, AI-optimized beats, offline capability, in-app cash collection, and auto-generated Daily Cash Summary. Digital collections run through eNACH, payment gateway integrations, WhatsApp, SMS, and voice bot. Supervisors see one live view across both.
Yes. Finflo collections runs natively with Finflo LOS, or standalone on any external LOS or LMS. The platform integrates through plug-and-play connectors across communications channels, payment rails, and core banking systems.
Finflo configures different AI strategies for every bucket — X-bucket, 0-30, 30-60, 60-90, 90+ — and routes accounts to the right mix of digital, tele, field, legal, and settlement workflows. Risk bucketing is automated, so collection managers run strategy, not list management.
Finflo covers the full compliance and legal lifecycle in-platform: pre-legal notices, dispute portals, SARFAESI workflows, repossession kits, settlement letters, and reverse CIBIL reporting — all with tamper-proof audit trails. The platform is aligned to RBI's Fair Practices Code and the DPDP Act 2023.
PTPs are captured with amount and date against each account. Follow-up is scheduled automatically before the PTP date and escalated if the payment is missed. PTP conversion, broken-promise rates, and bucket-level recovery sit on live dashboards for collection heads.
Multilingual outbound calling across major Indian languages with region-appropriate phrasing. The bot reads borrower intent during the call, confirms PTPs, and passes full context to a human agent the moment the conversation needs judgment.
See loan origination and collections on one platform, walked through for your use case.
helps each team:
