Shivacha Lending Platform
Origination, decisioning, servicing and collections — configurable end-to-end.
Applications
Queue
Auto-decisioned
Policy v12
Referrals
Underwriter
Overview
A lending platform for consumer, SME, embedded and BNPL lending: digital origination, configurable credit policy, disbursement, servicing, collections and accurate loan accounting.
The problem
Lenders are slowed by rigid systems where every new product or policy change needs engineering, and by fragmented tools across origination, servicing and accounting.
The solution
Shivacha Lending Platform manages the full loan lifecycle with products and policies defined by configuration, integrated data sources and a loan ledger that keeps finance and investors confident.
Feature modules
What's inside
Origination
Digital applications, document capture and e-signature.
Decision engine
Versioned credit policies, scorecards and data integrations.
Disbursement
Payment rail integration for funding.
Servicing
Schedules, repayments, restructures and statements.
Collections
Segmented strategies and communications.
Loan accounting
Accruals, fees and portfolio reporting.
Product preview
Designed for operators and end users.
- Configurable loan products
- Rules and scorecard engine
- Bureau and open banking data
- AI document extraction
- Repayment schedules and waterfalls
- Collections workflows
- Investor and funder reporting
- Borrower self-service portal
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Credit bureaus
- Open banking aggregators
- E-signature providers
- Payment rails
- Accounting systems
- Messaging providers
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Digital consumer lenderInstant personal loans.
- SME lenderWorking capital using banking and accounting data.
- Embedded lendingCredit offered inside partner platforms.
- BNPL providerInstalments at checkout.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Lending Platform Development
End-to-end lending platforms: origination, decisioning, disbursement, servicing, collections and loan accounting.
Learn moreLoan Origination System
Loan origination systems covering application, verification, underwriting, approval, documentation and funding.
Learn moreLoan Management System
Loan management systems for servicing portfolios — schedules, repayments, restructuring, statements and accounting.
Learn moreRelated products
Works well with
Shivacha Digital Bank
A configurable digital banking platform for banks and licensed partners.
Learn moreShivacha Banking API
Secure, versioned banking APIs over any core — with sandbox and developer portal.
Learn moreShivacha Document AI
Extract, validate and route data from any business document.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
Can risk teams change credit policy themselves?
Yes. Policies are configured and versioned with testing and approval workflows.
Does it support BNPL?
Yes, including pay-in-N and instalment plans with merchant settlement.
Can we migrate an existing loan book?
Yes, with migration tooling that validates balances and schedules.
Request a product demo.
See how Shivacha Lending Platform fits your business, and how we would customise and deploy it.