Loan origination,
field to disbursement
An end-to-end LOS with an offline-first field app, an intelligent rule engine, and configurable approval workflows — built for branch-led operations in Tier-2 and Tier-3 cities.
Origination Pipeline
60 active applications · LAP
24
18
11
7
Sharma T.
LAP-20418
R. Venkat.
LAP-20417
Kisan Agro
LAP-20415
Legacy LOS systems weren't built for field-led lending
The tools NBFCs inherited were designed for metro desks and digital-only journeys — not for an RM on a two-wheeler in a Tier-3 town.
Field agents still use paper
An RM visits a customer and fills forms by hand. Data entry happens hours or days later. Errors creep in. Customers drop off.
Every NBFC workflow is different
Most LOS force you into their process. Bending them to fit yours means expensive developer time and long timelines.
Approvals get stuck in email
Branch manager forwards to credit head. Credit head forwards to CFO. No visibility, no audit trail, no accountability.
One platform. From field visit to disbursement.
Every application travels a single, auditable path — no rekeying, no lost paperwork, no black boxes.
- 1
Field Capture
RM app, offline-first
- 2
Application
Auto-synced to core
- 3
Verification
Docs & property checks
- 4
Underwriting
AI-assisted + rule engine
- 5
Approval
Multi-level workflow
- 6
Disbursement
Sanction & payout
Everything an NBFC needs to originate a loan
Five capabilities that map directly to the way your branches and field teams already work.
Field collection that works offline
An Android app for Relationship Managers to capture customer details, loan requirements, and photos of documents and property — entirely offline. When the RM returns to coverage, everything syncs to Flow automatically.
- Capture KYC documents, property photos, and income proof
- Geo-tagged field visits
- Works without internet — critical for Tier-3 towns
- Supports Loan Against Property (architecture ready for more)
New Application
Field Visit
Applicant
Sharma Traders
Voice to form
Auto-filling requirements…
Configure, don't customize
A configurable rule engine lets your team encode business logic without writing code. Rules are evaluated at every stage, so only qualified applications move forward.
- Auto-reject applications that fail eligibility criteria
- Flag deviations for credit-manager review
- Adjust to your own risk appetite — no developer needed
Eligibility Rules
LAP · Evaluated at every stage
Multi-level approvals that match your hierarchy
A configurable approval chain — five levels by default, more or fewer as you need. Define who approves what based on loan amount, product, or risk score, with a complete audit trail at every step.
- Notifications and escalations at each stage
- Complete audit trail of every decision
- ₹50L LAP → BM → Credit Manager → Zonal → Credit Head → CFO
Approval Workflow
LAP-20415 · ₹65.0 L
Branch Manager
Approved · ₹50L LAP
Credit Manager
Approved · deviation noted
Zonal Head
Pending review
- 4
Credit Head
Awaiting
- 5
CFO
Awaiting
Intelligent assistance, human judgment
AI helps speed up origination without replacing the people who lend. The RM app can record conversations with prospects and transcribe requirements to auto-fill application forms — currently being tested for accuracy across regional languages.
Voice to Form
Transcribing field conversation…
"Customer needs ₹40 lakh against a commercial shop in Indore, tenure around 8 years…"
Loan amount
₹40,00,000
Product
LAP
Collateral
Commercial
Tenure
8 years
Document parsing, risk scoring, and anomaly detection are on the roadmap — detailed as each is confirmed.
Structure co-lending, the compliant way
Flow helps you structure and document co-lending arrangements under RBI guidelines, with compliance-ready agreements and lender-specific reporting.
- Generate loan agreements with co-lending terms embedded
- Export application data in co-lender-specific formats
- Track partner share, interest split, and repayment waterfall
Co-Lending Structure
RBI alignedInterest split
11.5% / 9.0%
Agreement
Generated
Connect your existing tools. No rip-and-replace.
Flow plugs into the bureaus, KYC providers, and payment rails NBFCs already rely on.
Credit Bureaus
KYC & Verification
Payments
Regulatory requirements at the core
Compliance isn't a feature bolted on later — it's the foundation. Indian customer data stays in India.
RBI Compliant
Built around RBI guidelines for lending and co-lending, with audit trails throughout.
Data Localization
Indian customer data is stored and processed within India.
Built alongside Purple Finance
Flow was developed in partnership with Purple Finance, a listed NBFC with a ₹100 Crore+ loan book and decades of lending expertise. Every feature was shaped by operators who understand the reality of NBFC lending in India.
Purple Finance
Listed NBFC · Founded by lending veterans
₹100 Cr+
Loan book
Tier 2–3
Branch network
Pricing that grows with you
Implementation fee + annual license + per-application SaaS. We'll design a plan that fits your volume and branch network.
Questions, answered straight
No fine print, no vaporware. Here's what Flow does today.
Currently Loan Against Property (LAP). The architecture supports adding more products — we'll work with you to configure the specific products you offer.
Most NBFCs go live within 4 weeks. The exact timeline depends on your workflow complexity, integration needs, and data migration.
Yes. Flow supports data import from common formats, and our team handles the migration planning end to end.
Yes. The app runs on Android 8+ and works offline — no special hardware needed.
Absolutely. Flow's rule engine lets you define approval chains, rejection criteria, and deviation flags specific to your organization.