Overview

The product “Lending Origination‑Corporate” from Indus/EbixCash is a specialised commercial‑lending origination software solution for the MSME and corporate customer segment. It supports evaluation and underwriting of proposals for both funded and non‑funded facilities, enabling entities to capture extensive financial data, calculate ratios and ratings, link collateral and counterparties, manage exposures and automate workflows. It helps financial institutions enhance agility, governance, risk management and lower operating costs.

Features and Capabilities

• Multi‑Channel Interfacing: capability to interface with different acquisition channels and mobility modules.
• Comprehensive Data Capture: supports capture of borrower, guarantor, and other entity data across multiple entities/groups.
• Financial Analytics Engine: built-in analytics for calculating complex financial ratios, credit ratings, and peer comparisons.
• Collateral & Counterparty Linking: ability to link collateral, cross-link assets, associate counterparties, and structure exposures.
• Conditions, Covenants & Compliance: define conditions, covenants, compliance parameters, and track them over time.
• Workflow & Approval Matrix: user-configurable workflows, committee approvals, and exposure tracking at group/company level.
• Digitisation & Paperless Processing: supports document digitisation, paperless proposal evaluation, and mobile capability.
• Exposure Monitoring & Reporting: track exposures across fund/non-fund facilities, group entities, and generate business reports.
• Configurable Templates & Industry Adaptation: ability to customise financial templates per industry/borrower type and support multi-entity environments.
• Cloud‑Ready and Internationalised Architecture: supports internationalisation, open architecture, and deployment on cloud-ready platforms.