Crego

One Stack. Every Lender. Zero Rebuilding

LSPs work with multiple lenders. Managing separate integrations, different credit policies, and inconsistent borrower journeys for each one slows everything down. Crego gives you a single orchestration layer onboard once, route intelligently, and add new lenders without starting from scratch.

Features

Everything an LSP Needs to Scale Multi-Lender Lending

Managing one lender is straightforward. Managing five is where things break. Crego's middleware is built specifically for LSPs who need full control over onboarding, decisioning, and routing across every lender partnership, from one place.

Onboard Once, Reuse Everywhere

Collect borrower data once and reuse it across all your lender partnerships without re-onboarding the borrower. No duplicate forms, no repeated document uploads, no fragmented journeys.

Dynamic Lender Routing

Automatically route applications to the most suitable lender based on configurable eligibility rules. Bureau score, income, business type, geography define the logic once and let the system do the matching in real time.

Configurable Borrower Journeys

Build and customise onboarding flows per lender using UI-based tools no development needed. Fields, documents, validations, and communication triggers are all configurable without raising an engineering ticket.

Intelligent Business Rules Engine

Define lender-specific eligibility criteria, apply go/no-go checks, and score applications dynamically using custom risk scorecards. Evaluate bureau, banking, GST, and verification data all within a single rule flow.

Deep Integration Library

Connect to credit bureaus, KYC providers, bank statement analysers, eSign platforms, and payment gateways out of the box. All integrations are modular enable what you need, disable what you don't.

Embed Lending Anywhere

Integrate via REST APIs for full headless control, drop-in SDKs for web and mobile, or deploy a white-label PWA. The platform adapts to how you want to deliver the lending experience not the other way around.

Applications

Where LSPs and Platforms Use Crego

Whether you are a fintech routing loans across bank partners or a B2B platform embedding lending for your merchants, Crego's middleware fits the way you work.

Multi-lender LSP platforms

Route thousands of applications across multiple lender partners daily with independent eligibility rules and onboarding flows per lender — all managed from one dashboard.

Embedded lending for B2B platforms

Integrate lending journeys directly inside your product a merchant app, an e-commerce platform, or an ERP without building a separate borrowing experience from scratch.

Agent-assisted lending operations

Equip field agents and call centre teams with guided application flows for assisted onboarding with the same eligibility rules and routing logic running in the background

Co-lending origination across lender partners

Manage joint lending programs where two lenders co-finance the same borrower. Each lender has their own onboarding requirements, credit policy, and approval workflow all orchestrated through one middleware.

MSME and small business lending platforms

Onboard small business borrowers with GST, bank statement, and ITR-based underwriting routed to the lender best suited for that borrower's profile and ticket size.

Fintech startups going live with lending fast

Use Crego's pre-built integrations, configurable flows, and white-label interface to go from zero to a live lending product without building core infrastructure from scratch.

Use Cases

The Problems LSPs Actually Face, and How Crego Solves Them

Every LSP eventually hits the same scaling walls. Here is what those look like in practice and how Crego handles them.

Adding a New Lender Without Rebuilding

An LSP wants to onboard a fourth lender partner. Without a middleware they would need to build a new integration, new document flow, and new eligibility logic from scratch. With Crego they configure the new lender's rules and documents on the platform and go live in days.

Routing the Right Borrower to the Right Lender

A borrower applies for a business loan. Lender A only funds borrowers with CIBIL above 700. Lender B focuses on GST-registered businesses with turnover above ₹50 lakh. Lender C accepts new-to-credit borrowers. Crego's BRE evaluates the borrower against all three and routes the application to the best fit automatically.

nconsistent Borrower Journeys Across Lenders

Each lender has different document requirements and approval stages. Without a middleware the borrower experience changes completely depending on which lender they end up with. Crego standardises the borrower journey on the front end while applying lender-specific rules behind the scenes.

Scaling Volume Without Scaling the Team

An LSP goes from 200 applications a month to 2,000. Manual review, routing decisions, and lender coordination become impossible at that volume. Crego automates eligibility checks, routing, and communication triggers so the same team handles 10x the volume.

Regulatory Audit Across Multiple Lender Partnerships

Each lender partner needs audit-ready data who applied, what documents were submitted, what decision was made, and when. Crego maintains a full activity log per application across all lender partnerships automatically.

Embedded Lending for a Non-Lending Platform

An e-commerce platform wants to offer working capital loans to its merchants. They do not want to become a lender they just want lending inside their product. Crego's SDK and API layer lets them embed the full lending journey without building any lending infrastructure themselves.

FAQ

Frequently Asked Questions

Find answers to common questions below.

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From repayment scheduling to collections and closures, manage the entire post-disbursal lifecycle on a single platform.