Lending Stack- "SPHINX"
Loan Origination System
Loan Management System
Supply Chain Finance
Co-Lending
Lending Stack- "SPHINX"
Loan Origination System
Loan Management System
Supply Chain Finance
Co-Lending
Loan Origination System
Seamless Customer Onboarding – Digital KYC, video verification & paperless documentation.
Underwriting – Configurable Business Rule Engine for risk assessment & decision-making.
Multi-Channel Applications – Process loan applications from web, mobile, and partner APIs.
Fraud Detection & Compliance – Automated checks for AML, KYC, and credit bureau integration.
Workflow Customization – Configure rule-based approval hierarchies for different loan products.
Loan Management System
Loan Servicing – EMI scheduling, interest calculation & repayment tracking.
Delinquency & Collections – Automated alerts, soft collections, and legal escalations.
Multi-Loan Type Support – Term loans, revolving credit, overdrafts, and hybrid models.
Regulatory Compliance – Seamless audit logs, GST compliance, and reporting.
Custom Repayment Schedules – Flexible repayment structures based on customer needs.
Supply Chain Finance
Invoice & Bill Discounting – Automate early payment financing for suppliers.
Dynamic Discounting – Offer variable discounting based on payment timelines.
Buyer-Supplier Portal – Enable seamless interaction between stakeholders.
Risk-Based Pricing – AI-driven assessment of supplier risk & creditworthiness.
Automated Reconciliation – Track payments, credit periods, and outstanding balances.
Co-Lending
Seamless Lender-Borrower Collaboration – Enable effortless partnerships between banks, NBFCs, and fintechs with a unified platform.
Real-Time Fund Disbursement – Integrated with banks & NBFCs for split disbursement.
Secure API Integrations – Easily integrate with banks, NBFCs, and lending partners for seamless data exchange and transaction processing.
End-to-End Reconciliation – Real-time tracking of repayments and interest allocation.
Multi-Stakeholder Compliance – Adheres to RBI guidelines and partner governance policies.
Impact of "SPHINX"
Faster Loan Approvals – Reduce TAT from weeks to minutes with AI-powered automation.
Enhanced Compliance – Stay ahead of evolving regulations with built-in compliance frameworks.
Scalability & API-First Design – Easily integrate with existing core banking & fintech ecosystems.
Cost Savings – Minimize operational costs and human errors with automation.
Improved Customer Experience – Digitized lending journeys enhance borrower satisfaction.
Empower your lending business with "Sphinx"
The scalable, secure, and intelligent lending stack built for modern financial institutions.
Get in touch to schedule a demo and explore how Sphinx can transform your lending operations!