Indian lenders are facing a clear shift. Whether you're managing Loan Against Property, Supply Chain Finance, or Unsecured Business Loans, credit to MSMEs are growing, but so are the expectations around speed, control, and compliance. Teams are being asked to do more, with tighter timelines and greater scrutiny.
What used to be quarterly roadmap items, such as launching a new product variant or updating credit policy, now need to happen in days. And every part of the process, from onboarding to renewals, must stay auditable, adaptive, and efficient.
Most platforms force a trade-off between speed and flexibility. CredAcc is built to offer both.
CredAcc offers a no-code LOS (Loan Origination Software) and LMS (Loan Management Software) designed specifically for Indian MSME lenders. It gives lenders the ability to configure products, policies, and processes independently, without depending on developer time or vendor schedules. The result is a system that reflects how your lending works today and adapts easily as your strategy evolves.
Built for the Lending Realities Indian Banks and NBFCs Navigate Daily
CredAcc's platform is grounded in how lending actually operates in India, not on theoretical models or generic templates; system is designed to handle the operational complexity these products require.
The LOS enables nuanced onboarding, real-time eligibility checks, and automated decisioning based on inputs such as GST data, banking transactions, bureau reports, and internal policies. Credit rules are configurable, document flows are automated, and offers are generated instantly, without any code.
On the LMS side, repayments can be tied to events or milestones, and renewals, documentation, and exceptions are all handled through rules-based workflows - no escalation tickets or brittle scripts.
Nothing about the way Indian lenders run these products is simple. Our platform doesn't try to flatten that complexity. It gives your teams the tools to manage it accurately, securely, and at scale.
Full Control Across the Lending Lifecycle
CredAcc brings every stage of the lending journey - onboarding to closure - onto a single, configurable platform. No silos. No manual handoffs. Just one system built to reflect how your teams actually work.
Here's how each stage is managed:
· Digital Onboarding: Multi-channel application intake, identity verification (PAN, GST, bank), real-time eligibility checks, and borrower onboarding.
· Origination: Sourcing workflows, DSA and anchor integrations, application tracking, and KYC documentation -fully auditable.
· Fraud Prevention: De-dupe validation, data mismatch detection, suspicious pattern flagging, and multi-source input checks (bureau, GST, bank, PAN).
· Spreading & Underwriting: Automated data ingestion, financial statement parsing, credit scorecard application, and policy-aligned decision frameworks.
· Decisioning & Offers: Eligibility outcomes, offer generation, sanction letter creation based on borrower profiles, risk logic, and lending program rules.
· Disbursement & Booking: Condition-based disbursal, accounting integration, documentation auto-generation, and loan booking.
· Loan Management: Repayment handling, renewal logic, line utilization tracking, covenant monitoring, escalation management, and write-offs.
Why No-Code Matters—and How It Works in MSME Lending
No-code infrastructure helps shift the control back to the lender. In the context of MSME lending, where policies vary, volumes are high, and agility is critical, this flexibility becomes essential. CredAcc's no-code capabilities are built specifically for lending teams who need control without coding:
· Fully configurable journeys and rules: Onboarding flows, verification steps, credit logic, disbursal conditions, repayment schedules - every step of the loan lifecycle can be defined and updated without writing code.
· Business-led product launches: Credit, risk, and operations teams can roll out new lending programs, update parameters, or localize workflows without vendor timelines or IT dependency.
· Built-in rule engines for decisioning and risk: Eligibility criteria, scoring logic, approval workflows, and exceptions can all be configured through visual builders, enabling rapid testing and refinement of credit policies.
· Versioning and auditability by design: Every change, whether to a rule, field, or process, is logged and traceable. This ensures compliance teams retain oversight without manual audits or technical reviews.
· Reusable components across workflows: Once created, rules and processes can be reused or adapted across other journeys, accelerating deployment while maintaining consistency and governance.
· Real-time adaptability: Market shifts, regulatory updates, or operational feedback can be actioned immediately, keeping teams responsive without compromising control.
In MSME lending, where one-size-fits-all rarely applies, no-code makes scale sustainable by letting your systems move as quickly as your strategy does.
What Our Clients Have Built with CredAcc
A leading NBFC operating a growing supply chain finance business faced delays due to manual invoice booking, email-driven approvals, and fragmented processes. Using CredAcc, they replaced these with a single, no-code platform. Borrowers and suppliers now access a unified interface, disbursals run on automated triggers, and the system integrates directly with their core lending setup. Turnaround times dropped significantly, and the program scaled more than 50%, with no increase in operations headcount.
Another large lender managing high-volume supplier finance across thousands of branches was struggling with reconciliation delays and inconsistent documentation. CredAcc helped them move to a structured, rules-based workflow. Program logic, document flows, and disbursal conditions are now centrally managed, with oversight retained by business teams. The result: faster execution, fewer errors, and stronger audit readiness.
These changes weren't just about fixing inefficiencies or replacing legacy systems. They gave lenders long-term control over how their credit programs are built, run, and evolved.
Designed for Indian Lenders, Down to the Details
CredAcc is built to handle the operational depth and compliance rigor Indian lenders expect, while integrating with existing architecture. Every feature is purpose-built—not generic—so you don't spend time bending your operations to fit the software.
Seamless system integrations: Connects with core banking systems, ERP platforms, accounting tools, and anchor-side or third-party portals, ensuring clean data flow across departments.
Built-in connectivity to public data infrastructure: Integrates directly with GST systems, PAN verification, credit bureaus, and banking data aggregators for automated document ingestion and real-time checks.
Configurable drawing power and credit logic: Supports dynamic DP calculations, margin rule setups, and renewal schedules without requiring any code changes or external tools.
Support for flexible repayment structures: Enables milestone-based, event-triggered, or partner-specific repayment plans configured by the business team, not hardcoded.
Automated documentation and audit readiness: Generates sanction letters, loan agreements, and annexures with e-signing, version control, and full audit trails built into the process.
Granular access management and governance: Role-based permissions, maker-checker controls, and field-level visibility ensure operational integrity and internal audit compliance.
RBI-ready and cloud-native: Built for Indian regulatory standards with secure, scalable infrastructure. ISO 27001 and SOC 2 certified.
Lending Infrastructure That Scales With You
For Indian lenders managing complex credit programs, growth isn't just about volumes; it's about how well your systems keep pace with your strategy. As product lines expand, regulations evolve, and expectations shift across partners and borrowers, the ability to adapt quickly without losing control becomes essential.
CredAcc provides a system that can keep pace with them. One where product launches don't depend on IT cycles, operational controls don't lag behind growth, and compliance isn't a separate process - it's built in.
If your current systems are limiting how fast or how confidently you can scale, now is the right time to take a closer look. We'd be glad to walk you through what leading lenders have already built with CredAcc, and how you can, too.
Let's explore what you can build with CredAcc.