Intelligrow’s Business, Property & Gold Loan Software: End to End Platform

Business Loan software

As India’s financial technology industry grows, businesses, microfinance agencies, and cooperatives are looking for more modern, practical, and regulatory compliant digital solutions for managing and streamlining loans. Bengaluru-based fintech solution Intelligrow, specializes in providing cloud-native software for digital lending workflows and offers comprehensive lending solutions. Intelligrow’s end-to-end lending platform equips institutions for Business Loans, Loans Against Property (LAP), and Gold Loans, offering all services within a single digital ecosystem. 

In this article, we showcase how Intelligrow aids in shifting traditional lenders to fully digital institutions. We discuss theyur Business Loan software, Loan Against Property software, and Gold Loan software highlighting the features and advantages along with how credit delivery is triumphantly transforming in India. 

About Intelligrow 

In 2019, Intelligrow Bancsoft was born and is now a trusted technology sponsor for the growing financial institutions. Based in Bengaluru, the company’s reach to Tier-2 and 3 cities where financial services and digitization is crucial for everyone is commendable.

Intelligrow offers flexible loan management software for the following organizations:

Intelligrow enriches open-source software like Mifos and Fineract to create innovative loan management systems for:

1. Non-Bank Financial Companies (NBFCs)

2. Microfinance Institutions (MFIs)

3. Rural credit societies

4. Co-operative banks

5. Gold loan companies

6. Lending startups and fintechs

Intelligrow enhances traditional loan servicing systems with automation tools and real-time analytics to provide operational efficiency, quicker loan disbursement, and seamless regulatory reporting.

Business Loan Software – Agile Credit Delivery

Intelligrow’s Business Loan Software aids in unleashing the full economic potential of SMEs and MSMEs, supporting the backbone of the nation’s economy with tailored working capital solutions. The loan servicing infrastructure, however, grants limited access for recipients owing to the myriad of borrowers and multi-dimensional risks.

Core Capabilities of Intelligrow’s Business Loan Software

Intelligrow’s Business Loan Software increases efficiency in servicing business loans by automating each stage from lead generation to loan servicing. The main components are:

Digital Origination: Customers are able to submit their applications via the internet or through field agents. Complete KYC, CKYC, and Aadhaar eSign modules guarantee real-time verification of customers.

Smart Credit Assessment: Automated and document-based income assessment makes credit eligibility assessment impartial through the use of rule-based underwriting and configurable credit scoring.

Flexible Loan: StructuringSupports term loans, working capital, invoice financing, and merchant loans with options for: 

Payments on EMI schedules (daily, weekly, monthly). 

Interest rates on flat vs reducing. 

Disbursements on multi-tranche. 

Disbursement and collection automation with UPI, IMPS, NEFT, or BBPS auto-reconciliation. Smart alerts via SMS/email or in-app integration for field collection agent mobile apps. 

Reporting and ComplianceAutomated scrub and monitoring for overdue, default alerts, elapse warning, document capture with MIS, RBI reports, audit logs, and NPA reporting. 

Key Benefits 

RACI reporting on overdue/untethered, responsiveness on fraud alert, document capture, and rule based workflow. 

Enhanced accuracy on risk profiling automates trust risk and respect risk via integrated business identity fabric.   

Digitization on documentation stream automation processing. 

Mapped document journey.  

NBFCs and small lenders are now equipped to underserved business owners while exercising credit discipline. 

Loan Against Property Software – Smarter Oversight on Secured Lending 

Loan against property or LAP offers secured lending where property secure with collateral acts as a borrower's liability. Managing LAP requires automation on Intelligrow for property document workflow, risk assessment, compliance verify, and post-disbursement monitoring. 

Key features of LAP Software: 

• Borrower Collateral Registry and Mapping with record capture of land/property outline, ownership documents, and encumbrance certificates with deeds. 

• Legal Compliance, Valuation processes: Integrated with legal vendor and property verification agencies, dynamic team, automated evaluation orders.

• Loan Structuring: Assistance for high-value LAPs with long durations and adaptable payment schedules. 

• LTV Management: Automatically compute the loan-to-value ratio for the property’s type, geographical area, and risk category. 

• Monitoring Tools: Schedule property inspection for insurance renewal and create property-based risk notification triggers. 

LAP Module Benefits 

• Risk reduction is achievable through legal automation and automated draws automated risk-based valuation. 

• Borrower confidence is directed through visibility and confidence from automated legal processes. 

• Approved loans are secured, therefore institutions are enabled to offer large loans with faster approvals. 

• Intelligrow’s LAP software helps institutions comply with legal property lending requirements while saving time on manual verification, thereby increasing efficiency. 

Development of Gold Loan Software - Designed for Quick Transactions 

Gold loans are famous in India due to their accessibility and collateral security. However, they require specialized skills in valuation, security, storage, and auctioning. Intelligrow provides purpose-built Gold Loan Software for NBFCs and gold loan companies. 

Outstanding Characteristics of the Gold Loan Software 

Gold Valuation in Real Time: Integration of daily feeds for 22K/24K gold and automatic recalculation based on weight and purity. 

Pledge Control: Secure vault inventory with tagging, digital receipt creation, and audit trail generation.  

Automated default loan auctioning: Auctions are automatically initiated for defaulted loans. 

Automated borrower notification for due dates and loan renewal without full account closure.

Loan Structuring: Various types of schemes: bullet, interest-only, 또는 customer choice EMI.

Benefits

• Streamlined branch onboarding with minimal document requirements

• Increased productivity while retaining security

• RBI compliance on gold pledge storage

• Intelligrow makes branches or field staff mobile offices with safe and legally compliant gold-backed credit operations."