LOAN ORIGINATION SYSTEM

Lead to disbursement.
One lending platform.

SimpleWorks LOS digitises the complete lending journey from lead to disbursement, across Home Loan, LAP, Personal, Gold, MSME, Vehicle, Education, and Agri loans, with AI-accelerated decisioning and full regulatory compliance.

Loan origination system
END-TO-END ORIGINATION

Configure your entire credit policy without code.

SimpleWorks LOS orchestrates the full loan lifecycle on a single platform. Credit teams change policy, deviations, and validations through configuration rather than code, so lending keeps pace with the market.

Drag & drop workflow builder for the complete loan lifecycle
Configurable credit policy, deviation & validation rules
Financial ratio engine for FOIR, LTV and DSCR
Multi-level maker-checker approval with automated CAM generation
Loan Products8+ Supported
DecisioningAI-Assisted
DeploymentOn-Prem / Cloud
PLATFORM MODULES

Everything your lending team needs.

Lead-to-Application Onboarding

Capture leads from branch, sales teams, DSAs, channel partners, the digital portal, and API integrations, then convert them into structured applications with applicant, co-applicant, guarantor, and collateral mapping.

Document Intelligence

AI-based document classification and OCR extraction auto-populate KYC, income, and bank-statement data, flagging missing, wrong, or tampered documents before they ever reach underwriting.

No-Code Business Rule Engine

A drag-and-drop builder lets credit teams configure policy rules, deviation matrices, validations, and financial ratios like FOIR, LTV, and DSCR without writing a single line of code.

Underwriting, CAM & Approval

Consolidate every upstream check into an auto-generated Credit Appraisal Memo, then route it through multi-level maker-checker approval to sanction, charges, PDD, and LMS handoff.

THE ORIGINATION LIFECYCLE

Fourteen stages, one continuous digital journey.

From the first lead to post-disbursement servicing, every stage of the loan lifecycle is modelled, automated, and audit-tracked inside a single system of record.

01
Lead Generation
Sourcing, assignment, deduplication & early scoring.
02
Application & Onboarding
Application creation, OCR, eKYC & relationship mapping.
03
KYC & AML
OVDs, Video KYC, CDD/EDD, PEP & sanctions screening.
04
Eligibility Assessment
Rules-based screen on age, income, FOIR, LTV & product rules.
05
Credit Bureau
Bureau pull, score interpretation, DPD & tradeline analysis.
06
Income Assessment
Salaried & self-employed income, bank statement & cash-flow analysis.
07
Legal Assessment
Title search, ownership & encumbrance checks for secured lending.
08
Technical Assessment
Valuation, geo-tagged site visit, market & distress value.
09
Underwriting
Full synthesis of every check into one credit decision.
10
Approval Workflow
Approval matrix, deviation & committee sign-offs.
11
Sanction
Sanction letter, conditions, validity, interest & EMI.
12
Documentation
Agreement, eSign, eStamp, PDD, insurance & NACH mandate.
13
Disbursement
Pre-disbursement checks, fund release & CBS integration.
14
Post-Disbursement
PDD tracking, document archival & collections handoff.
AI & GENAI

AI-powered origination for faster, smarter lending.

AI and GenAI run through the whole lifecycle. They read documents, score risk, draft the CAM, and guide every role from RM to underwriter to compliance officer.

AI Document Processing

Document classification, OCR data extraction, auto KYC capture, income extraction, bank-statement parsing, and tampered-document detection.

AI Credit Scorecard

Probability of default, risk categorisation, FOIR analysis, and LTV recommendation layered on top of the bureau score.

GenAI Assistants

Credit Policy, RM, Underwriter, and Regulatory assistants surface the right guidance at each stage of the journey.

Automated CAM & Offers

Automated credit summaries, approval recommendations, product recommendation, and next-best-offer generation.

Compliance & Readiness

AML/KYC guidance, sanction-condition verification, regulatory query assistant, and a disbursement readiness score.

8+
Loan Products Supported
AI-Led
Credit Decisioning
100%
Audit-Ready CAM
FREQUENTLY ASKED QUESTIONS

Common questions about the Loan Origination System.

Can't find what you're looking for? Visit our full FAQ library or contact our team.

SimpleWorks LOS is an AI-powered platform that digitises the complete lending journey from lead to disbursement. It handles lead capture, application onboarding, KYC/AML, credit and income assessment, legal and technical checks, underwriting, approval, sanction, documentation, and disbursement in a single system of record.

The LOS supports a wide range of retail and commercial products including Home Loan, Loan Against Property (LAP), Personal Loan, Gold Loan, MSME, Vehicle Loan, Education Loan, and Agri Loan, each with its own configurable policy, eligibility, and workflow rules.

Yes. A no-code business rule engine lets credit teams configure policy rules, deviation matrices, validations, and financial ratios such as FOIR, LTV, and DSCR through a drag-and-drop builder, so policy changes go live without a development cycle.

AI and GenAI run across the lifecycle: document classification and OCR auto-populate applications, an AI credit scorecard estimates probability of default and risk category, and GenAI assistants for RM, underwriter, and compliance roles draft credit summaries, recommend approvals, and generate the CAM.

Yes. The platform includes eKYC, CKYC, Video KYC (V-CIP), PAN and Aadhaar verification, CDD/EDD, PEP and sanctions screening, and full audit trails, aligned with RBI norms and supported by AML/KYC guidance and regulatory query assistants.

The LOS can be deployed on-premise, in a private cloud, or in the cloud, and integrates with core banking systems (CBS) and downstream Loan Management Systems (LMS) for post-disbursement servicing.