The Loan Management System (LMS) has traditionally sat downstream of everything else in the lending stack. Credit decisions, KYC verification, document collection, and borrower assessment. All of that happens in the origination layer. The LMS receives what the Loan Origination System (LOS) passes across and manages the loan from disbursement onwards. This division has worked […]
Bill Discounting vs Invoice Discounting: LMS Configuration Guide
The terms are used interchangeably so often that even experienced lenders stop questioning them. Bill discounting, invoice discounting, trade finance, receivables financing: these get bundled into the same category as if the underlying product structure, and therefore the Loan Management System (LMS) configuration, were identical. But they are not. For a lending operations team building […]
Why Does B2B BNPL Break Your Standard LMS Setup?
Most Loan Management Systems (LMS) were built around a specific mental model: one borrower, one loan account, one repayment schedule, and a fixed end date. That model handles term loans well, and personal loans, mortgage-style products, and working capital term facilities without much strain. Buy Now Pay Later for business lending (B2B BNPL) operates on […]
4 Supply Chain Financing Gaps NBFCs Overlook
Supply chain financing (SCF) looks attractive on paper. Short tenures, anchor-backed risk, invoice-level visibility, and a borrower base that often lacks access to other credit channels. For NBFCs looking to expand their working capital portfolio, it ticks several boxes. The challenge is that SCF operates by a different set of mechanics than term lending, and […]
Best Loan Management Software for NBFCs in India 2026
The head of technology at a growth-stage NBFC in Pune is reviewing a shortlist of loan management software options. Three came from “Top 10 LMS India” articles published by software directories. The fourth came from a peer at another NBFC. None of the three lists agree on which platforms belong. Two of them include vendors […]
Does Your LMS Support Working Capital Lending at Scale?
Working capital lending products like overdraft (OD) facilities, revolving credit lines, invoice discounting, and bill discounting don’t follow the term loan model. Borrowers draw down as needed, repay partially, and draw again. The outstanding balance fluctuates continuously. An LMS designed around a fixed-disbursement, fixed-repayment structure handles this poorly, and the problems compound as volumes grow. […]