When your loan officer asks, “What’s the outstanding amount on loan ID 208241?” at 4 PM on a Friday, how long does it take them to find the answer? If they’re new to your team, they might spend 15 minutes navigating through multiple screens in your LMS, and they might still be figuring out which […]
9 Hidden Signals That Reveal Which Borrowers Will Default (and How to Track Them)
Fintech personal loan defaults hit 3.6% in March 2025, marking a six-quarter high. Unsecured loans drive this increase, particularly among younger borrowers and those in tier-2 cities. Traditional credit scoring overlooks the subtle behavioural shifts that precede defaults by weeks or months. However, what most risk evaluation teams fail to understand is that defaults don’t […]
Creditworthiness vs Credit Score: What Smart Lenders Actually Look At
A credit score alone cannot determine lending risk. While they provide a snapshot of past borrowing behaviour, they miss critical signals about a borrower’s current financial capacity and future repayment potential. Understanding the distinction between creditworthiness vs credit score is essential for sound lending decisions. A credit score reflects historical borrowing patterns, but it doesn’t […]
Top Loan Management Software for NBFCs in India 2026
India’s lending market is expected to reach $2.38 billion by 2030, growing at 30.2% annually. Economic expansion, urbanisation, and rising credit demand are driving loan application volumes that exceed most NBFCs’ manual processing capacity. Legacy systems struggle with regulatory reporting frequency, multi-product portfolio management, and real-time risk assessment requirements. NBFCs processing diverse loan products (MSME, […]
RBI Backs Cash-Flow Lending for MSMEs: What This Means for Your Lending Strategy
The 30th Standing Advisory Committee (SAC) in Coimbatore on October 27, 2025, highlighted the urgent need for Micro, Small, and Medium Enterprises (MSMEs) lending models to shift from a traditional collateral-based approach to cash-flow-based lending. This strategic realignment is critical for overcoming the current challenges faced by MSMEs. As per a survey of 2,000 MSMEs, […]
How Fintech Startups Scale with the Right Loan Management Software
Fintech startups are redefining the credit ecosystem—disbursing thousands of loans daily across various borrower segments. However, as volumes surge, traditional processes, reliance on spreadsheets, and disconnected systems begin to show their limitations. Start-ups that scale rapidly without a resilient technology foundation consistently face delayed disbursals, compliance loopholes, and restricted portfolio visibility. To sustain India’s forecasted […]