Banking & disbursement
Account validation, beneficiary payouts, and settlement-friendly reconciliation.
Banks · Cooperatives · Lenders worldwide
One system to run lending — from KYC to collection
Loan management software that connects origination, credit, disbursement, repayments, accounting, and reporting — with banking rails, payments, and digital channels for NBFCs and institutions worldwide.
Built for real lending books
Concrete controls NBFCs and cooperatives need — not generic SaaS slogans.
Multi-product books
Personal, gold, vehicle, LAP, and microfinance on one loan management core.
KYC before disbursement
Workflow gates block payout until identity and document checks clear.
Collections & DPD
Track dues, recovery, and aging so branches and head office share one outstanding.
Channels that reach
App, web, WhatsApp, USSD, and SMS on the same lending core.
Integrations
Connected to the rails your lending business runs on
From banking and payments to identity partners — built to integrate, not replace your stack overnight.
View integrations
Open APIs for banks, fintechs, and custom connectors
Payments & collections
Gateways, digital wallets, auto-debit patterns, and agent or cash collection tracking.
Identity & compliance
KYC providers, document verification APIs, and bureau hooks where applicable.
Global adapters
Local payment rails via partners, multi-entity readiness, and channel adapters per market.
Product
Everything lending ops needs — in one admin
Customers, loans, accounting, documents, and day-to-day controls in a modern admin experience. Full product overview.
Customers
Onboard, profile, KYC status, relationships, and history in one record.
1
Loans
Application through approval, disbursement, schedules, collections, and closure.
Accounting
Operational ledger and accounting aligned to lending flows.
3
Documents & controls
Documents, policies, roles, permissions, and audit trails in one admin.
Documents
At the centre of credit decisions
Attach and retrieve KYC packs, agreements, and collateral papers against customers and loans — so credit and ops work from the same record.
- 01KYC & identity
Customer packs, ID checks, and relationship history in one place.
- 02Ability to repay
Income evidence and capacity notes linked to the application.
- 03Collateral papers
Security documents and valuations against the loan file.
- 04Agreements & terms
Contracts, schedules, and signed terms ready for disbursement.
- 05Audit & policy
Policy checks and an activity trail for compliance review.
Channels
Reach customers where they already are
Mobile, web, messaging, and USSD — one lending core, five ways to serve.
Loan products
Support core lending products
Configure products, schedules, charges, and lifecycle rules for NBFCs, cooperatives, and lenders worldwide.
Personal Loan
Unsecured retail credit with configurable tenure, rates, and eligibility checks.
Vehicle Loan
Auto and two-wheeler financing with asset schedules and repayment tracking.
Home Loan
Long-tenure mortgage products with EMI, collateral, and document workflows.
MicroFinance
Group and individual microcredit with field collection and cycle management.
Education Loan
Student financing with disbursement tranches and study-period flexibility.
Loan Against Property
Secured lending against real estate with valuation and charge registration steps.
Gold Loan
Short-tenure loans against gold with appraisal, LTV rules, and auction workflows.
Equipment Financing
Asset-backed funding for machinery and tools with installment schedules.
Loan Against Securities
Credit against shares and instruments with margin monitoring and top-ups.
Earned Wage Access
Early wage advances for employees with payroll hooks and repayment at payday.
Identity
Verify once, lend with confidence
Automated KYC and verification checks sit inside the customer and loan journey — so disbursement only moves when identity clears.
Apply
Capture application details at the start of the journey.
Capture KYC
ID, address, photo, and supporting documents on the customer profile.
Auto-verify
Partner APIs and rule checks run before credit decides.
Approve
Credit and ops gates unlock only when thresholds are met.
Disburse
Release funds with a full audit trail of who verified what.
KYC status
Clear lifecycle states on every customer profile.
Workflow gates
Block payout until verification thresholds clear.
Audit trail
Review-ready history of who verified what and when.
FMS facilitates workflows; institutions remain responsible for regulatory compliance.
Reporting
See the portfolio clearly — act faster
Operational and management reports so credit, collections, and finance share one version of the truth.
Request a sample report pack- Portfolio Outstanding · disbursements · mix
- Collections DPD · recovery · performance
- Origination Funnel · approvals · TAT
- Branch / region Unit performance
- Compliance / ops KYC pending · gaps
- Export & schedule Downloads · schedules
Customers
Trusted by lending teams and advisors
Feedback from institutions and professionals who rely on the platform for day-to-day lending work.
“FMS gave us one place for products, disbursements, and collections. Branch teams finally work from the same numbers we see at head office.”
Nivesh CreditDirector
“Day-to-day loan entry, repayments, and customer follow-ups are much faster. The screens are clear — less time chasing files, more time with customers.”
NewfortisStaff
“Document control and portfolio reports make reviews smoother. Controls and activity history give us confidence when signing off on the books.”
Invest and Grow FinanceAuditor
Global presence
Built to operate across markets
Local payment rails, identity partners, and channel mix — with a platform model for multi-country institutions.
12
Countries
80
Institutions
2M+
End users
Africa · South Asia · Southeast Asia · Middle East
Ready to modernise your lending stack?
Book a demo — NBFCs, cooperatives, and multi-country lenders welcome.
