A Modern Loan Management System Built for Today's Lending
From disbursement to final repayment, Crego automates the entire loan lifecycle. Free your team from spreadsheets and focus on scaling your portfolio with precision.
Everything You Need to Run a Loan Portfolio, In One Place
Crego's LMS is built for lenders who cannot afford errors at scale. From the moment a loan is disbursed to the day it closes, every financial event is tracked, calculated, and reconciled automatically. Here is what powers it.
Flexible Repayment Schedules
Configure EMI-based, bullet, weekly, daily, or cashflow-linked repayment structures. The schedule is generated automatically at disbursement and adapts to the loan product configuration, no manual intervention needed.
Waterfall-Based Payment Application
Define how incoming payments are applied across interest, principal, and charges. Configure the order per program IPC, CPI, PIC and the system follows it precisely on every repayment, every time.
DPD and NPA Tracking
Days Past Due is tracked at the loan level in real time. When any EMI crosses 90 DPD the loan is automatically classified as NPA and the waterfall switches to principal-first recovery mode. All of this happens without any manual action.
Automated Interest and Penal Calculation
Interest accrues daily based on the configured rate. Penal charges kick in automatically when EMIs are overdue. No manual calculations, no reconciliation gaps, the system handles it end to end.
Waivers and Adjustments
Apply manual waivers through a defined approval workflow or configure auto-waiver rules for small decimal residuals at the program level. Every waiver is logged, tagged, and visible in the audit trail.
Multi-Product Support
Run Term Loans, SCF Dealer Finance, Vendor Finance, PID, and SID all on the same platform. Each product type has its own disbursement flow, repayment structure, and waterfall logic configured independently without code changes.
Built for Every Kind of Lender
Whether you are running a retail loan book, a supply chain finance program, or a co-lending portfolio, Crego's LMS adapts to your structure, not the other way around.
Retail Term Loans for banks and NBFCs
Manage fixed EMI loans at scale with automated schedule generation, interest accrual, and overdue tracking. From personal loans to business term loans the entire lifecycle runs without manual intervention.
Supply Chain Finance for anchor-dealer and anchor-vendor programs
Handle drawdown-based disbursements, anchor bank payouts, and dealer repayments across hundreds of active invoices simultaneously. Each drawdown is tracked independently with its own waterfall and settlement logic.
MSME working capital loans
Support short-tenure, high-frequency lending to small businesses with flexible repayment structures weekly, daily, or bullet. Configure product rules once and originate at volume without ops overhead.
Co-lending portfolios with multiple lenders
Track fund contributions from two or more lenders on a single loan and split repayments accurately back to each lender on every payment. Full visibility of each co-lender's outstanding, paid, and waived amounts.
Collections and NPA recovery management
Automatically classify loans by DPD bucket, SMA0, SMA1, SMA2, NPA, and switch recovery waterfall to principal-first mode at 90 DPD. Give collections teams real-time visibility of overdue accounts without manual reporting.
Partner and LSP-driven lending programs
Manage loan portfolios sourced through lending service providers with program-level configuration, commission tracking, and full audit trails per sourcing partner.
Real Problems. Real Solutions.
These are the scenarios lenders face every day. Here is how Crego's LMS handles them.
Collections at Scale
An NBFC managing 50,000 active loans needs to track overdue accounts, trigger penal charges, and escalate NPA accounts automatically without a team manually reviewing each loan every day.
SCF Dealer Finance
A manufacturer runs a dealer financing program where funds go to the anchor, not the dealer. Each invoice generates a drawdown, the lender pays the anchor, and the dealer repays over 30 to 90 days. Crego manages the entire cycle per drawdown.
Co-lending Portfolio Management
Two lenders co-finance a loan at different ratios. Repayments need to be split accurately back to each lender. Crego tracks the contribution and handles the split on every repayment automatically.
Decimal Residual Cleanup
Thousands of EMIs are stuck in Partially Paid state because borrowers paid ₹4,407 instead of ₹4,407.30. The auto-waiver feature closes all of them automatically without ops intervention.
Backdated Reconciliation
Finance team needs to know the exact outstanding as of a specific past date for audit purposes. The outstanding by schedule API supports backdated queries and returns values as of that exact date.
NPA Recovery
A loan crosses 90 DPD. The system automatically switches to component-based waterfall clearing all principal first across all overdue EMIs before touching interest and penal maximising principal recovery.
Frequently Asked Questions
If you have a question about how Crego's LMS works, there is a good chance someone else has already asked it. Here are the ones that come up most often.
Ready to Modernize Your Loan Servicing
From repayment scheduling to collections and closures, manage the entire post-disbursal lifecycle on a single platform.