Co-Lending

Seamless Co-Lending Management for Financial Institutions

miFIN™ Co-Lending Platform is a comprehensive solution that enables financial institutions (FIs) to collaborate efficiently with multiple co-lenders while maintaining complete control over loan structuring, income sharing, and disbursal processes.

The platform allows FIs to define loan amount sharing percentages, pre- and post-disbursal charges, and interest income distribution with ease. By leveraging miFIN™’s automation capabilities, financial institutions can streamline co-lending operations, escrow management, and lender synchronization, ensuring seamless execution of shared lending models.

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Key Features​

Flexible Funding Ratios

Set up co-lending ratios to allocate loan amounts between multiple lending partners with unlimited lender support.

Multi-Lender Synchronization

Automatically manage transactions and align repayment schedules for smooth coordination between financial institutions and co-lenders.

Customizable Charge Allocation

Configure pre- and post-disbursal charges with flexible sharing percentages, ensuring complete transparency in cost distribution.

Comprehensive Accounting & Asset Booking

Efficiently handle loan asset booking, escrow account management, disbursals, and fund allocations, minimizing manual interventions.

Seamless API Integration

Connect with loan approval and payment systems via APIs, ensuring end-to-end digital automation and real-time transaction processing.

Flexible Funding Ratios

Set up co-lending ratios to allocate loan amounts between multiple lending partners with unlimited lender support.

Multi-Lender Synchronization

Automatically manage transactions and align repayment schedules for smooth coordination between financial institutions and co-lenders.

Customizable Charge Allocation

Configure pre- and post-disbursal charges with flexible sharing percentages, ensuring complete transparency in cost distribution.

Comprehensive Accounting & Asset Booking

Efficiently handle loan asset booking, escrow account management, disbursals, and fund allocations, minimizing manual interventions.

Seamless API Integration

Connect with loan approval and payment systems via APIs, ensuring end-to-end digital automation and real-time transaction processing.

Why Qualtech

Powering Scalable & Profitable
Co-Lending Partnerships

Digitized & Automated Lending Workflows

Improve efficiency with a fully automated co-lending process, eliminating manual errors and delays.

Scalable Co-Lending Across Multiple Loan Products

Easily set up and execute co-lending models on existing business products, covering a wide variety of loans.

Optimized Interest Income Sharing

Supports multiple income-sharing models, including service fees, equal principal distribution, and customized EMI-based revenue allocation.

With miFIN™ Co-Lending, financial institutions can expand their lending capabilities, mitigate risk, and enhance profitability, all while delivering a seamless experience for borrowers and co-lenders alike.