Automate GST and banking analysis, commercial underwriting, CGTMSE guarantee checks, and working capital payouts on one unified lending platform.
Cut application to disbursal time to minutes with instant entity verification, live GST and banking pulls, and automated cash-flow underwriting.
Unify promoter KYC, GST-to-bank turnover reconciliation, DSCR and ABB guardrails, and credit policy checks in one guided workflow.
Track every credit assessment memo (CAM), CGTMSE cover, overdraft utilization, and repayment schedule across branches and channels from one place.
01 Entity & Promoter Onboarding
Verify proprietorships, partnerships, LLPs, and private limited companies in seconds with Udyam, GSTIN, CIN, and PAN validation alongside promoter Aadhaar eKYC, CKYC lookup, and cross-branch deduplication.
02 GST, Banking & Financial Spreading
Fetch consented current and OD account statements via Account Aggregator (AA), GSTR-1/2B/3B filings, and ITRs to automate financial spreading, circular-trading checks, and geo-tagged business Personal Discussion (PD) logs.
03 Commercial Bureau & Cash-Flow Underwriting
Run real-time consumer and commercial bureau checks (CMR) with BRE scorecards to compute Average Bank Balance (ABB), DSCR, FOIR, and turnover eligibility across Term Loan, Dropline Overdraft (DOD), Cash Credit (CC), or daily/weekly EDI schemes.
04 Instant Sanction & Digital Execution
Generate automated Credit Assessment Memos (CAM), multi-language Key Facts Statements (KFS), sanction letters, and digital stamp-duty agreements via NeSL Digital Document Execution (DDE) with promoter Aadhaar eSign.
05 Guarantee Coverage & Mandate Setup
Automate CGTMSE or credit guarantee eligibility and fee calculations, log ROC charge filings where applicable, and register repayment mandates via eNACH, UPI Autopay, or QR/POS escrow collections.
06 Instant Verification & Payout / Limit Activation
Verify business current or OD accounts via penny-drop and trigger real-time payouts across RTGS, NEFT, or IMPS—or activate revolving credit lines—with automated processing fee, stamp duty, and insurance deductions alongside live ledger posting.
07 Covenant Monitoring, Renewal & Closure
Track ongoing GST filing health, monthly stock and book-debt statements, and OD utilization alerts, while managing pre-approved top-ups, annual limit renewals, DPD collection workflows, and instant digital NOC generation.
Capture and organize application information with less manual effort.
Collect, extract and verify customer documents as part of the application workflow.
Route applications through configured approval rules, exceptions and documentation workflows.
Bring customer, financial and credit information together to assess eligibility against configured lending policies.
Manage active loans, repayments, collections and account activity beyond disbursement.
Capture, assess and move applications through configured workflows.
Manage active loans, repayments and customer servicing.
Run accounting, payroll and governance on your lending core.
Drive better recoveries with intelligent workflows.
Run partner lending, split disbursements and daily settlement in one place.
Bring lending data together for better visibility and decision support.
Enforce policy rules and produce regulatory returns from live data.
Launch and scale lending products faster with configurable workflows and lower operational overhead.
Modernize lending across retail, SME and corporate segments with a secure, scalable platform.
Add a modern lending layer alongside your core banking system, keeping customer and account systems connected.
Deliver high-volume, low-ticket lending with simple, intuitive workflows designed for field and branch teams.
Underwrite housing loans with property, income and verification checks in one connected workflow.
Unify member share capital, deposit-linked loans, surety tracking and daily or pigmy collections in one connected workflow.
Bring the data, services and systems behind your business lending operation together through a connected ecosystem.
Credit bureaus
Banking & payments
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamRewafin connects lead capture, application processing, KYC, document verification and credit assessment within a configurable origination workflow.
Yes. Approval rules, exceptions and documentation workflows are configurable, so the journey follows your own business lending policy.
Yes. Applications can be captured across branches, web, mobile and assisted channels in a single pipeline.
Customer information and required documents are collected, extracted and verified as part of the application workflow.
See how Rewafin can connect your business loan operations from application to repayment.
