A compliant co-lending stack for Indian NBFCs now means a uniform 10% retention on both sides, automated joint underwriting, escrow-based settlement, and real-time asset classification sync. Finezza built this piece for the technology and lending-ops leaders who have to make that stack work before 1 January 2026, not just explain it in a board memo. […]
Co-Lending Reconciliation: The Complete Operational Breakdown
Co-lending reconciliation is the process of matching every EMI payment to its correct split across bank and NBFC ledgers, sweeping the escrow, and producing a verified statement that both partners can reconcile against their own books. Finezza’s co-lending module automates this full payment-event pipeline from a single product-level configuration, so the same logic runs on […]
Why NBFCs Lose Co-Lending Mandates (And the Tech That Prevents It)
The co-lending model has become one of the most effective growth channels for NBFCs looking to scale their loan books without proportionally scaling their balance sheets. Banks bring the capital; NBFCs bring the customer reach, origination infrastructure, and last-mile servicing capability. On paper, the arrangement works cleanly. In practice, the operational complexity of running a […]
Lending Life Cycle in Co-Lending Models: Syncing Bank-NBFC Workflows
A borrower submits one application through an NBFC’s digital platform. The NBFC’s Loan Origination System (LOS) approves based on bureau data and bank statement analysis. The partner bank’s credit system rejects the same applicant using different underwriting parameters. Neither institution knows about the mismatch until the borrower calls three weeks later. This repeats across co-lending […]
Why You Need a Co-lending-Ready LMS for Multi-Partner Loan Management
Your bank receives a high-value MSME loan application that fits your risk criteria, but due to funding limitations, you must stall the approval. Meanwhile, you find ideal co-lending partners who are ready to share the funding and loan management. However, your current system cannot manage multi-partner workflows, automated settlements, or track compliance for each participant. […]
4 Ways Co-lending Can Strengthen the Indian MSME System
Did you know there are around 64 million micro, small, and medium enterprises (MSMEs) in India? Additionally, MSMEs contribute around 30% of the total GDP and account for 31% of the country’s workforce, highlighting their indispensable role in India’s economic growth in recent years. Yet, MSME credit penetration in India is only 14%, which begs […]