Unsecured Loan

Faster & Smarter Unsecured
Lending with Automation

miFIN™ Personal & Unsecured Loan Platform is a powerful digital lending solution designed to initiate, sanction, and disburse loans with minimal human intervention. By automating key processes such as income assessment, verification, and risk evaluation, miFIN™ significantly reduces approval times while ensuring compliance and risk management.

With third-party integrations for verification and credit checks, the platform enables faster approvals, customized loan offerings, and seamless borrower experiences. Financial institutions can configure auto-income assessment methods for different customer categories, ensuring accurate and reliable lending decisions.

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Key Features​

Configurable Credit Assessment Models

Set up automated calculations for FOIR (Fixed Obligation to Income Ratio), DBR (Debt Burden Ratio), and DSCR (Debt Service Coverage Ratio) to ensure accurate credit evaluation.

Straight-Through Loan Processing

Automates loan approvals for high-ranking customers, while enabling manual intervention for customers with higher risk grades, ensuring a balance between efficiency and risk management.

Reject Review Mechanism

Provides the ability to review and reassess auto-rejected loan applications, allowing financial institutions to re-evaluate customer eligibility.

Flexible Interest Rate Structuring

Supports tiered ROI (Rate of Interest) configurations, enabling dynamic interest rate adjustments based on borrower risk profiles and creditworthiness.

Why Qualtech

Empowering Digital Lending with
Intelligent Automation

End-to-End Loan Process Automation

Simplifies loan origination and underwriting, ensuring faster approvals and disbursements with minimal manual effort.

Customizable Borrower & Loan Criteria

Enables financial institutions to define specific criteria for different customer segments, ensuring precise loan decisions and improved borrower experience.

Advanced Analytics & Portfolio Monitoring

Provides real-time reporting and analytics, helping lenders track loan performance, assess risk, and make informed decisions.

Seamless Digital Borrower Experience

Eliminates the need for in-person interactions, offering a fully digital loan application and management process for enhanced convenience.

With miFIN™ Unsecured Loan, financial institutions can increase lending efficiency, optimize risk management, and deliver a superior digital borrowing experience while maintaining full compliance.