Powering Inclusive Finance with
Future-Ready Lending Technology
A Scalable, Digital-First Platform for UK-Based NBFCs and Microfinance Institutions
Accelerate financial inclusion with SoftTrust.ai’s NBFC/MFI Lending Solution, purpose-built for Non-Banking Financial Companies (NBFCs) and Microfinance Institutions (MFIs) in the UK. Our intelligent, cloud-based platform enables rapid loan disbursals, streamlined compliance, and scalable operations to serve underserved and financially excluded communities across the country.
Loan Origination System (LOS)
Digitize the entire loan origination journey — from customer application to final sanction:
- User-Friendly Application Portals
Accessible across devices with intuitive interfaces.
- Customisable Workflows
Configure approval hierarchies and automate multi-stage loan processing.
- Automated Credit Scoring & Risk Analysis
Align with FCA’s responsible lending norms using built-in scoring models.
- Loan Appraisal & Approval
Enable fast, transparent decisions with automated checks.
Loan Management System (LMS)
Simplify lifecycle management for a variety of loan products:
- Flexible Loan Product Support
Term loans, microloans, SHG/JLG lending, overdrafts, and personal finance.
- Real-Time Transaction Workflows
Manage disbursements, repayments, and closures with secure automation.
- Arrears Management & Provisioning
Identify NPAs early and automate provisioning.
- Seamless Payment Integration
Connect with UK payment rails — Faster Payments, BACS, Direct Debits, and Open Banking APIs.
Financial Accounting & Back-Office Suite
- Comprehensive GL Management
Includes journals, asset tracking, and inter-branch reconciliation.
- Automated Bank Reconciliation
Simplifies operational finance.
- Real-Time Financial Reports
Generate P&L, Balance Sheets, and Trial Balances.
- Graphical MIS Dashboards
Actionable analytics on financial health, risk, and performance.
Key Features
- End-to-End Digital Lending
Full-cycle automation from onboarding to repayment.
- Mobile-First Field Access
Empower field agents with real-time data and digital KYC.
- FCA & GDPR Compliance
Stay fully aligned with UK regulations, including secure data handling and reporting.
- Customisable Product Modules
Launch new loan types and financial products with minimal configuration.
- Advanced Analytics & Segmentation
Monitor risk, customer behavior, and portfolio trends in real time.
Innovation & Trends
AI-Powered Loan Decisioning
Automate underwriting and predictive risk scoring.
E-Signatures & Digital KYC
Simplify last-mile onboarding and customer verification.
Tailored Lending Models
Support for group/community lending and short-term microcredit.
Let’s Build Inclusive Finance, Together
Transform your NBFC or MFI operations with SoftTrust.ai’s modern lending platform.
Contact us today for a personalised demo and take your impact to the next level.