Co-Lending and Direct Assignment, Without the Operational Mess
CLM-1 and DA structures involve multiple lenders, regulatory requirements, and complex fund flows all of which need to work in sync, every single day. Crego gives you a single middleware layer to configure compliant co-lending and direct assignment partnerships without building separate infrastructure for each.
Core Capabilities That Make Co-Lending Work at Scale
These are the building blocks your ops, finance, and compliance teams need to run CLM-1 and DA programs without manual reconciliation or regulatory gaps.
All-in-One Configurable Co-Lending & DA Setup
Configure lender ratios, fund flow rules, repayment splits, and DA structures from a single interface. No custom development needed for each new partnership set it up through configuration and go live faster.
Automated Fund Flows & Repayment Splitting
Every disbursement and repayment is split between co-lenders automatically based on configured ratios. Fund flows are calculated and routed correctly on every transaction no manual settlement between lending partners.
Streamlined Co-Lending & Fund Flow Orchestration
Manage the complete fund flow lifecycle from loan origination and disbursement to repayment collection and partner settlement through a single orchestration layer that keeps all parties in sync.
RBI-Compliant Structure
Built to align with RBI's CLM-1 framework and direct assignment guidelines. Audit trails, lender exposure tracking, and reporting structures are designed to meet regulatory requirements without additional customisation.
Scalable Partner Onboarding
Add new co-lending or DA partners through configuration set their contribution ratios, fee structures, and fund flow rules independently. Scale to multiple partnerships without rebuilding the integration each time.
Single Integration Layer
One integration connects your origination system, co-lending assignment flows, and banking rails. Avoid managing separate API connections for each partner Crego acts as the middleware across all co-lending relationships.
Who This Is Built For
Co-lending and direct assignment programs span multiple institution types and lending models. Here's where Crego's CLM-1 and DA infrastructure makes the most impact.
Banks Running Co-Lending Programs
For banks acting as senior lenders in CLM-1 arrangements, managing multiple NBFC partners with different contribution ratios, product types, and reporting requirements under one compliant structure.
NBFCs & HFCs
Scale co-lending partnerships with banks without the operational overhead of managing separate fund flows, settlement statements, and lender-specific reporting for each arrangement.
Fintech Lenders
Launch co-lending programs quickly with LOS infrastructure already in place and direct assignment capability built in — reducing the time to go live with new banking partners.
Co-Lending Platforms
Build and operate multi-party co-lending programs end to end, with full control over lender onboarding, ratio configuration, disbursement orchestration, and regulatory reporting from a single platform.
Where Co-Lending Operations Break Down And How Crego Fixes It
These are the real operational and compliance challenges that CLM-1 and DA programs run into. Here's how the platform handles them.
Splitting Repayments Between Two Lenders
A co-financed loan receives a repayment of ₹50,000. The system needs to split it 80:20 between the bank and the NBFC, apply it to the right components in each lender's books, and settle it automatically, on every payment, without a reconciliation call at month end.
Launching a New Banking Partnership
An NBFC wants to go live with a new bank co-lending partner. Instead of building a custom integration, the ops team configures the new partner's ratios, fund flow rules, and reporting structure on Crego and goes live in days, not months.
Managing Direct Assignment Portfolios
A lender is assigning a pool of loans to a bank. Crego tracks the assigned pool, manages the ongoing repayment collection on behalf of the buyer, and generates the settlement statements without manual intervention.
RBI Audit Preparation
A compliance officer needs to demonstrate that every CLM-1 transaction followed the mandated fund flow structure. Crego's audit trail captures every disbursement split, repayment allocation, and lender settlement with timestamps ready for regulatory review.
Multi-Partner Exposure Monitoring
A platform running co-lending programs with three different bank partners needs to track total exposure per partner in real time. Crego provides consolidated visibility across all partnerships so limits are never inadvertently breached.
NPA Handling in Co-Lending
When a co-financed loan goes NPA, both lenders need their share of the NPA classification reflected accurately. Crego handles the NPA tagging, switches the repayment waterfall, and tracks recovery allocation per lender without manual coordination between the two institutions.
Frequently Asked Questions
Find answers to common questions below.
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