// LOAN ORIGINATION SYSTEM

A loan origination system that takes a borrower from application to e-sign.

CredBrick's loan origination system handles everything between "interested" and "disbursed": document collection, KYC, bureau and bank statement checks, credit approval, sanction letters, e-sign and e-NACH — with every step logged for audit.

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Where manual origination breaks down

Origination is where small lenders lose the most time: chasing documents over WhatsApp, pulling bureau reports by hand, re-computing eligibility in spreadsheets and emailing sanction letters. Each hand-off adds days and a chance for error. A loan origination system turns those steps into one tracked workflow.

How it works

  1. 01

    Collect documents & KYC

    Borrowers upload documents through a secure link and complete DigiLocker, PAN, video KYC and selfie checks online.

  2. 02

    Assess credit

    Credit managers see the bureau report, AI bank statement analysis, FOIR and red flags side by side and approve or reject.

  3. 03

    Sanction & sign

    Send the sanction letter link, collect e-sign and set up the e-NACH mandate before disbursal.

What's included

  • Digital document collection

    Secure upload links with document-type checks — no app install for the borrower.

  • KYC suite

    DigiLocker Aadhaar, PAN, bank account verification, video KYC and face match.

  • Bureau & BSA

    CIBIL pull and AI bank statement analysis with FOIR and risk band.

  • Credit approval workflow

    Assigned credit managers, approval rules and validation such as repay date after approval date.

  • Sanction letter, e-sign & e-NACH

    One flow from sanction to signed agreement and active mandate.

  • Audit trail

    Every action is logged against the user who performed it.

Frequently asked questions

What does a loan origination system do?

A loan origination system (LOS) manages the steps from loan application to approval and agreement: data and document collection, KYC, credit checks, underwriting decisions and loan documentation.

What is the difference between an LOS and an LMS?

An LOS covers everything up to the loan being approved and disbursed; an LMS manages the loan afterwards — EMI schedules, repayments, collections and closure. CredBrick includes both.

Can CredBrick automate credit decisions?

Today credit managers decide with AI-assisted analysis. CredBrick's Business Rule Engine, launching soon, will auto-approve, reject or refer applications based on your credit policy.

More from CredBrick

Talk to us

See loan origination system on your own data. Setup within 1 day.

neeleshrj@credbrick.com+91 9429690313