Originations

miFIN’s Loan Origination System (LOS) offers a robust digital loan origination solution designed to support both secured and unsecured lending across retail and SME segments. This advanced digital loan origination platform streamlines the complete loan lifecycle—from prequalification and application to verification, underwriting, and final disbursement—through a fully automated, digital-first approach.

Built with configurable workflows, intelligent decisioning, and pre-integrated APIs, miFIN LOS reduces manual processing, improves turnaround time, and enhances consistency in credit evaluation. Features like automated document verification, credit scoring, and rule-based underwriting empower lenders to manage high volumes efficiently while maintaining compliance and minimizing risk.

Whether you’re scaling operations or modernizing legacy systems, miFIN enables financial institutions to deliver a faster, smoother, and more transparent digital loan origination experience to customers.

Business Benefits

 

Customizable Loan & Sanction Workflows

Tailor loan processing, sanction approvals,
and exception handling with flexible workflow
configurations.

Advanced Verification & Valuation

Configurable modules for diverse verification and valuation needs, ensuring precision in loan processing.

Seamless API Integrations

Pre-integrated with 75+ service providers, including credit bureaus, utility bill checks, financial verifications, E-NACH, E-sign, and bank integrations.

Dynamic Business Rule Engine

Set up customized rules for application scoring, credit sanctioning, and risk assessment to enhance decision-making.

Automated Decision Support

Automates deduplication, scorecard analysis, eligibility checks, ratio assessments, and income evaluations for accurate credit decisions.

Why miFIN™ Originations?

Automated Loan Recommendations

AI-driven suggestions for straightforward applications, reducing manual intervention.

Flexible Query Management

Handles queries at any loan processing stage without disruption.

Advanced Risk Mitigation

Business Rule Engine (BRE) enhances fraud detection and compliance.

Comprehensive Credit Assessments

Powerful analytics for accurate borrower evaluation and risk profiling.

Highlights

Workflow and Worklist based platform – define separate workflows for separate products

Supports multiple  product categories – Retail as well SME

Support multiple product variants – equated, tranche based, Bullet Payments, Interest Servicing, Structured, with/without  moratorium

Supports multiple Cycle Dates

Comprehensive and Flexible
Charges module with GST handling capability

Define and track process and policy exceptions through authority based deviation management

Multi level Sanction with underwriting matrix

Handles Multiparty ,Multiple Disbursals and Loan Cancellations

See how Qualtech drives digital transformation,
making you future-ready.

Our Clients