The Infrastructure Powering the Future of Digital LAP
Power high-value Loan Against Property lending with a digital platform built for speed, operational scale, and risk-aware decisioning.
End-to-End Secured Lending Infrastructure
The LAP Stack powers every stage of your secured lending journey—from application intake and property verification to disbursement and collections. Built for lenders who demand control, speed, and scalability.
Configurable LAP Product Suite
Residential LAP
Loan against residential property with automated valuation, title search, and lien creation.
Commercial LAP
Commercial property-backed lending with rental income assessment and lease agreement verification.
Self-Employed LAP
GST and ITR-driven assessment for self-employed borrowers with flexible documentation norms.
Balance Transfer & Top-up
Competitive rate takeover with automated payoff calculation and incremental top-up facility.
Designed for Loan Against Property Complexity
Manage diverse property types, valuation methodologies, and legal checks through configurable rules and decision logic—without hardcoding or long-term vendor dependence.
Core Modules
Modules covering the entire secured lending lifecycle.
Digital Application & KYC
Enable end-to-end digital onboarding with video KYC, document digitisation, and identity verification tailored for Loan Against Property workflows.
Property & Collateral Management
Centralise property records with ownership validation, lien marking, and collateral lifecycle tracking across all LAP loans.
Credit Bureau & Eligibility Engine
Integrate with major credit bureaus to drive eligibility checks and score-based credit decisions within LAP underwriting flows.
Property Valuation APIs
Connect with approved valuers and automated valuation models via APIs to support policy-driven, location-specific valuations.
LTV & Risk Rules Engine
Configure loan-to-value limits, property-type policies, and risk-based pricing logic using flexible, no-code rule definitions.
Offer Generation, eSign & Disbursal
Create digital loan offers, execute agreements electronically, and control disbursals through a unified LAP execution layer.
Loan Management System for LAP
Manage the full LAP lifecycle, including repayments, statements, closures, and NOC issuance on an integrated servicing platform.
Collections & NPA Workflows
Support LAP-specific collections with configurable strategies, NPA classification, SARFAESI tracking, and recovery visibility.
Enterprise-Grade Governance
Maintain regulatory alignment and operational oversight across the entire Loan Against Property lifecycle with built-in governance controls.
- Regulation-Ready Lending Workflows: Embed compliance with digital lending guidelines through structured disclosures, consent capture, and borrower communications.
- End-to-End Audit & Decision Traceability: Preserve a complete record of credit decisions, valuations, approvals, and overrides with system-driven audit trails.
- CERSAI Integration Ready: Seamless charge creation and modification with Central Registry for Securitisation compliance.
Built for Secured Lending Complexity
LAP products require nuanced rules around property types, valuations, and legal checks. Our platform gives you complete control over every decision parameter.
Built for Institutional Lenders
Whether you're a regulated bank or a fast-growing NBFC, our platform adapts to your scale and compliance requirements.
Banks
Public and private sector banks looking to modernize LAP origination and servicing.
NBFCs
Housing finance and asset finance companies scaling secured lending portfolios.
Enterprise Lenders
Large-scale lenders requiring custom workflows and deep integrations.
Co-lending Platforms
Partnerships requiring shared collateral management and risk distribution.
Modernize Your Loan Against Property Offering
Join leading lenders who have transformed their secured lending operations with our configurable, enterprise-grade platform.
Frequently Asked Questions
Find answers to common questions below.