AllCloud’s Loan Origination System (LOS) is a modern, agile platform designed to transform lending operations. Built on a 100% digital SaaS model, it empowers lenders to launch new loan products quickly, onboard customers in minutes, and automate underwriting with confidence. The system supports all loan types—MSME, Auto, Gold, Personal, and more—through a unified origination engine, enabling lenders to process more applications daily while reducing disbursement turnaround time by up to 7X. With intelligent features, seamless integrations, and mobile capabilities, AllCloud LOS ensures scalability, compliance, and operational efficiency for financial institutions.

Features

Digitize data collection

Paper to Paperless in a single application. Streamline and Consolidate your data collection with AllCloud. Capture structured and unstructured data to make the right decision, every time.

Point of sale

Powerful, easy-to-use digital tools for your loan application service to help you capture information and deliver accurate quotations

Omni-Channel Customer Acquisition

Unified customer acquisition across channels for seamless processing of loan applications, pre-approvals, and paperless documentation.

Straight Through Processing

End-to-end automation capabilities such as e-kyc, credit approval, auto-authorization of instrument details and automatically fetching banking details from 3rd party systems

Optimised workflows

Make verification and underwriting processes faster and easier using pre-built integrations for third-party applications

Deviations management

Identify and prevent fraud through our loan origination system with pre-defined parameters and integration with rating agencies, with manual intervention as needed.

Automated Decision making

Drive rapid credit decisions in real-time with automatic scoring, debt calculation processes, and automated approvals and declines for routine applications

Lead Management

Issue loans quickly through automated processing, task management, and online documentation with customer service reminders via email/SMS, using our Loan Origination System.

Credit risk analysis and management

Automate end-to-end processes including e-KYC, credit approval, instrument details authorization, and fetching banking details from external systems.