lend.ezee
The Enterprise Loan Origination SystemThat Launches Products in Weeks.100% No Code. AI-Driven.
From retail to commercial loan origination systems, orchestrate every step of the lifecycle.
Automate decisioning, ensure compliance, and deploy new products instantly.
< 28 Days
Product Launch Time
60-70%
Ops Dependency Reduction
Zero
Dev Backlog Delays
Trusted by Leading Institutions Worldwide
Join 100+ financial institutions transforming their credit operations
- 50+ Institutions
- 4 Continents
- $2B+ Loans Processed
Enterprise-grade security & compliance
- SOC 2 Compliant
- ISO 27001:2022
- GDPR Ready
From Manual to Modular
Transform credit innovation with intelligent, modular design that empowers your team
- The New Reality
Picture this: Your product manager types “Add KYC section for self-employed applicants” and within minutes, a fully configured workflow appears—complete with validations, conditional logic, and compliance checks. What used to take dev teams weeks now happens in real-time.
- Transform handoffs into hands-on mastery
Your team gains complete control over the entire credit journey—from identity verification to pricing logic—all within an intuitive, business-friendly interface.
AI Intelligence Under the Hood
Six AI capabilities that make credit configuration effortless
Conversational Component Builder
Type natural language commands to generate complete credit journey sections
Type 'Add KYC for self-employed applicants' → auto-generates fields, layout, and validations aligned to APRA/NCCP rules.
✅ Outcome: Business user builds in 5 mins what devs took 5 days for
Rule Suggestion Engine
Intelligent conditional logic recommendations based on credit best practices
Suggests rules like 'Show GST Certificate if Sole Trader' with proper regex, eligibility flows, and hide/show logic
✅ Outcome: Rules configured with no syntax errors or logic gaps
Rule Suggestion Engine
Intelligent conditional logic recommendations based on credit best practices
Suggests rules like 'Show GST Certificate if Sole Trader' with proper regex, eligibility flows, and hide/show logic
✅ Outcome: Rules configured with no syntax errors or logic gaps
Document Analyzer AI
Extract logic and rules from existing credit policies and guidelines
Upload scanned product guidelines or PDSs → Extracts logic, checklists, conditions, rate calculations automatically
✅ Outcome: Reduce dependency on policy team or BA by 80%
QA & Compliance Validator
Real-time validation against regulatory frameworks
Validates flow against APRA/NCCP/RBI rules → Flags missing logic, mandatory fields, circular errors → Returns readiness score
✅ Outcome: Launch with audit-ready confidence every time
Mid-Conversation Corrections
Update credit journeys on-the-fly during configuration
Mid-way through building: 'Remove Medicare', 'Change layout to 1 column' → Instant updates without restart
✅ Outcome: Reduce rework and testing loops by 60%
Domain Knowledge Assistant
24/7 lending expertise trained on regulatory frameworks
Ask: 'What ID qualifies under 100-point check in NSW?' → References APRA, AUSTRAC, ASIC docs with precise answers
✅ Outcome: 24x7 smart assistant for your lending and ops teams
Everything You Need to Accelerate Lending
A complete loan origination platform designed for the modern financial institution
No-Code Journey Builder
Design complex credit workflows with intuitive drag-and-drop interface
✅ Build in minutes, not months
Multi-Bureau Integration
Seamlessly connect with Experian, Equifax, CIBIL, and 50+ data sources
✅ 360° borrower profile
Built-in compliance Engine
Compliance guidelines automatically enforced in every workflow
✅ Audit-ready from day one
Real-Time Decision Engine
AI-powered underwriting with advanced, fully configurable scoring models
✅ Sub-second approvals
Omnichannel Experience
Consistent journey across web, mobile, branch, and partner channels
✅ One platform, all touchpoints
Dynamic Product Configuration
Launch new loan products without IT dependency or code changes
✅ Product agility unleashed
Measurable Business Impact
Real outcomes that transform your lending operations and bottom line
85% Faster Time-to-Market
Launch new credit products in weeks, not quarters. Our clients typically see 3-6 month development cycles reduced to 3-4 weeks.
✅ 3-6 months → 3-4 weeks
60% Lower Operating Costs
Eliminate expensive dev resources for product changes. Business users configure workflows independently, reducing operational overhead.
✅ ₹2Cr+ savings annually
40% Higher Approval Rates
AI-powered decisioning and real-time data integration help you approve more good customers while maintaining risk standards.
✅ Achieve 40% + Approval rate
Zero Dev Dependency
Product managers, risk teams, and ops staff can modify journeys without waiting for engineering sprints or release cycles.
✅ 100% business ownership
3x Product Portfolio Growth
Built-in regulatory validation ensures every workflow meets APRA, RBI, and local compliance requirements automatically.
✅ 1 product → 5+ products
100% Compliance Coverage
Built-in regulatory validation ensures every workflow meets APRA, RBI, and local compliance requirements automatically.
✅ Zero compliance worries
Results measured across 50+ implementations
Your Complete Lending Technology Suite
Three powerful platforms that work together to transform how you build, deploy, automate and manage lending products.
Launch Credit Products in Weeks, Not Quarters
Cut loan processing time by 70%
Boost STP rates by 50%
Turn Collections into Customer Conversations
Cut collection cycle times by 60%
Handle 10x more accounts
Optimize, Automate & Accelerate Lending Decision
Launch complex rules in minutes. Reduce decisioning time by 80% with AI
The Lending Canvas
Built For Any Product
One platform. All asset types. Fully configurable.
SME Lending
Co-Lending
Consumer Durables Lending
Working Capital Lending
Loan Against Property
Business Loans
Home Loans
Personal Loans
Credit Card Loans
Vehicle Loans
Vehicle Leasing
BNPL - Buy Now Pay Later
Pre Approved Loan
Market Window Closing Fast
Why now? Here’s what’s changing.
Competitors are deploying
Top lenders are deploying SME, Home Loan, and co-lending products faster than ever—powered by no-code platforms and AI-led workflows.
✅ Don't get left behind
Regulatory gates tightening
Late-stage fixes don’t just delay go-live—they trigger audit flags, rework, and mounting costs. Built in compliance is needed
✅ Build compliance from start
Your product backlog
Each week you delay a credit journey, you're losing disbursals, interest income, and customer share. Your backlog isn’t just operational—it's financial leakage.
✅ Time is money
🛡️ Risk-free • Pure SAAS • Pay as You Grow
Real Implementations, Real Results
See how leading financial institutions launch credit products with unprecedented speed using ezee.ai
Lending Innovation, Explained Simply
Insights from the frontlines of digital lending transformation.
ezee.ai in Media
Loan Origination Platform FAQs
What is a loan origination system and where does it sit in the lending lifecycle?
A loan origination system automates loan processing from application to funding, positioned early in the lending lifecycle before servicing. It handles intake, verification, underwriting, and decisioning via rule engines and APIs. For MSME lenders, this cuts manual handoffs when pulling CIBIL scores or CKYC data.
What are the key stages handled by a modern loan origination workflow?
Modern LOS workflows cover pre-qualification, application intake, document verification, underwriting, approval, processing, and funding. Each stage uses automation like OCR for docs and real-time bureau pulls. In practice, SME loans move from online app to disbursal in hours, not weeks.
What role does automation play in reducing loan approval turnaround time?
Automation slashes loan TAT by 60% through straight-through processing and real-time checks, per HDFC implementations. It eliminates manual data entry via OCR and API pulls during underwriting. Lenders see approvals drop from weeks to minutes for low-risk SME cases.
How do loan origination systems support multiple loan products on a single platform?
LOS platforms manage diverse products like personal, vehicle, and MSME loans via configurable rule engines and unified data models. One workflow adapts eligibility checks across products without silos. This lets lenders cross-sell during intake, boosting portfolio efficiency.
How do lenders evaluate loan origination platforms for speed, compliance, and scale?
Lenders prioritize API-first integration for speed, built-in compliance checks for regs like RBI, and cloud scalability for volume. They test TAT via pilots and audit trails for KYC/AML. Thresholds include handling 5M+ apps yearly without downtime.
What criteria matter most when shortlisting a loan origination system for enterprise rollout?
Key criteria are modularity for custom rules, pre-built bureau/KYC integrations, and ISO/SOC compliance certifications. Enterprise focus hits 2-4 week go-lives for SaaS. Stability trumps cost for high-volume MSME operations.
How long does it typically take to implement and stabilize a loan origination system?
Enterprise LOS rollout takes 2-12 weeks, with no-code SaaS at 5-7 days and full configs at 6-12 weeks. Phased pilots stabilize workflows via testing integrations. MSME lenders hit steady state post-training in under a month.
How does a loan origination system automate borrower onboarding and application intake?
LOS automates onboarding via digital portals with OCR doc extraction and pre-filled forms from APIs. It triggers e-signatures and checklists for missing KYC. Borrowers upload once; system validates rules before underwriting.
How do loan origination systems integrate with credit bureaus and KYC providers?
LOS pulls real-time CIBIL/CKYC data via APIs during intake, normalizing scores for decision engines. KYC adds biometric/liveness checks and sanctions screening. This ensures fraud-free underwriting without manual pulls.
How do loan origination systems enforce regulatory compliance across geographies?
LOS embeds geo-specific rules like RBI digital lending or EBA guidelines into workflows with auto-flags and audit trails. It validates apps against AML/KYC in real-time. Multi-region ops adapt via configurable policies per jurisdiction.