One platform.
Every stage of lending.
From origination to collections, Lend Stack OS gives NBFCs a unified technology backbone designed for the Indian market.
Tier-2 and Tier-3 lending has unique challenges
The constraints you operate under aren't edge cases — they're the everyday reality. Lend Stack OS is built around them, not in spite of them.
Connectivity is unreliable
Your RMs work in areas with patchy network. Cloud-only tools fail them exactly when a customer is in front of them.
Regulations keep evolving
RBI guidelines on co-lending, KYC norms, data localization. Keeping up is a full-time job on its own.
Every NBFC is different
Your approval chain, risk rules, and documentation needs are unique. One-size-fits-all simply doesn't fit.
Four principles behind every Lend Stack OS product
Offline-First Field Operations
The RM app works without internet. Your field teams are never blocked, and data syncs the moment they're back online.
Regulatory by Design
RBI-aligned co-lending support, Indian data residency, and audit trails built into every workflow.
Configure, Don't Customize
Rule engine, approval chains, and forms adapt to your workflow without custom development.
Built With Practitioners
Developed alongside Purple Finance, founded by lending veterans who run NBFC operations every day.
Start with Flow today. Add Pulse and Collect as you grow.
One backbone, three products. Adopt what you need now and expand without re-platforming.
Flow
AI-Powered LOS
Offline-first origination, rule engine, and multi-level approvals.
Available nowPulse
Loan Management System
Servicing, repayments, and portfolio management after disbursement.
Collect
Collections & Recovery
Field-led collections with the same offline-first foundation.
Start your lending transformation
See how Flow — the first product on Lend Stack OS — works for NBFCs like yours.