Redefine borrowing journey with low-code, API-ready, and AI-led loan origination system software. Shorten loan lifecycle and aximize lending outcomes using our urpose built LOS solutions designed on our advanced BPM platform.
Traditional loan origination is riddled with operational bottlenecks, compliance complexities, and a disappointing borrower experience. It’s time to move beyond the legacy stack and embrace future-proof Loan origination software that lets you:
Our LOS Solutions are built on top of our highly resilient BPM platform – Servo Streams.
Streamline end-to-end processing for high-value commercial and institutional loans with advanced automation and risk modelling.
Accelerate financing for small and medium enterprises; automate credit checks and rapid disbursement to support business growth.
Digitize consumer credit applications; utilize instant verification and rapid underwriting for a superior customer experience.
Manage high-volume, small-ticket loans efficiently; deploy simple application workflows to reach underserved communities.
Automate complex mortgage processing; integrate property valuation and legal checks for fast, compliant approvals.
Digitize and accelerate loans against property; integrate valuation services for robust collateral management and faster approvals.
Streamline residential and commercial property financing from application to closing, ensuring compliance and speed.
Deliver instant, paperless personal loans; automate underwriting for immediate disbursement and enhanced borrower satisfaction.
Accelerate vehicle financing; automate dealer integration and instant approvals to drive sales efficiency.
Automate gold asset valuation and loan processing; ensure secure collateral management and rapid fund disbursement.
Provide instant in-store financing; integrate seamlessly with retailers to offer rapid credit decisions at the point of sale.
What makes Servosys go-to digital lending solutions provider for leading BFSI partners?
Accelerate launch times; configure new products in days, not months, with intuitive tools.
Design unique, data-driven loan paths tailored to individual customer profiles and needs.
Connect seamlessly to 50+ essential services and data providers for a unified ecosystem.
Utilize a powerful BRE (Business Rules Engine) for instant, consistent, and automated decisions.
Ensure 100% regulatory adherence with detailed audit trails and comprehensive reports.
Discover how Servosys LOS solution enabled India’s 2 nd Largest Private Bank reduce TAT by 84% and enhance CX by 35%?
Download Case StudyRead how we assisted India’s 3 rd Largest Private Bank automate CAM generation, and cut documentation time by 60 %.
Download Case StudyFind out how Servosys LOS solution for Gold Loan helped India’s 2 nd Largest private bank cut TAT from 8 hrs. To 7.5 minutes.
Download Case StudyA Loan Origination System (LOS) is a software solution that digitizes and manages the entire lending process, from lead capture to final loan disbursement. It works by automating manual tasks such as application intake, document verification, credit assessment, and approval, orchestrating them in one seamless, paperless workflow. This automation helps financial institutions process applications faster, reduce errors, and ensure compliance with lending regulations.
Servosys LOS solutions speed up the lending process through features like an AI/API led decision engine for instant risk assessment and credit scoring, automated document verification (including KYC), and straight-through processing (STP) for eligible loans. Its use of a low-code platform and microservices architecture also accelerates the development and deployment of new loan products or feature updates.
Servosys’ LOS solution is designed as a single, multi-product platform that handles both consumer (retail) and commercial loans, along with various other types. It supports diverse lending scenarios including retail loans, mortgages, SME lending, microfinance, gold loans, agriculture loans, and large corporate financing, providing tailored workflows for each.
The Servosys LOS automates underwriting by utilizing AI and machine learning to perform real-time risk assessment and credit analysis based on predefined rules. It automatically pulls data from third-party sources like credit bureaus and financial aggregators, then uses a built-in decision engine to recommend approval, denial, or a conditional offer, significantly reducing manual effort.
Yes, Servosys software is built on a low-code Business Process Management (BPM) platform Servo Streams, which allows for extensive customization of loan workflows and application forms without extensive manual coding. This flexibility enables financial institutions to tailor the system to their specific business needs and quickly adapt to changing market dynamics or regulatory requirements.
Servosys LOS is API-ready and designed for seamless integration with a wide range of third-party systems, including credit bureaus, core banking systems (CBS), valuation agencies, payment gateways, and KYC platforms. These integrations ensure consistent data flow across systems, eliminating manual data entry and providing a unified lending ecosystem.
The Servosys LOS software is described as "Cloud-Ready," allowing clients to host and manage their lending operations over the cloud, which ensures scalability and flexibility. Besides cloud, it’s also suitable for on-premise and hybrid ecosystems.
However, we’ll encourage you to connect with one of our experts to discuss the scope of the infrastructure.
It differs from company to company and case to case basis. For instance, with our corporate loan origination solution India’s 2 nd Largest Bank was able to reduce TAT by 80% reduction with 4x increase in loan bookings. Similarly another leading bank reduced TAT by 75% and documentation effort by 60%. While it’s difficult to list specific figure(s) for expected ROI, our customers have experienced improvement in operational efficiency, workforce productivity, risk management, and customer satisfaction areas.
Servosys LOS solutions ensures compliance through built-in regulatory features, including automated KYC verification, complete audit trails, waiver management, and real-time alerts for Non-Performing Asset (NPA) risks. We design our solutions adhering to government and regulatory guidelines, such as those from the RBI in India, through automated monitoring and reporting functionalities.
Servosys solutions incorporates robust data security and encryption measures to protect sensitive borrower data. It includes a secure, integrated document management system and ensures that all processes align with industry standards for secure data handling.
Servosys use of a microservices architecture and low-code platform which allows us to be agile in development and updates. This allows us to implement and deploy new functionalities and updates with minimal disruption to ongoing operations, though specific maintenance schedules would be part of a service agreement.
Servosys Solutions is a unit of EML Consultancy Services Private Limited, a company headquartered in New Delhi, India. We are one of the fastest-growing providers of software products and technology services for business process automation solutions that address challenges like process turn-around time, organizational productivity, regulatory compliance, business scalability, operational visibility and excellence.
