Run every lending partnership on one shared system—loan selection, split disbursement, repayment apportionment, daily settlement, and reporting, reconciled automatically for every partner.
Partnerships grow, but spreadsheets don't. Stop managing each partner's ratios, eligibility rules, pricing, and file formats by hand across disconnected sheets. Capture risk-sharing ratios (such as 80:20), hurdle rates, fee structures, and credit rules once per partner and run unlimited programmes on one engine.
Eliminate the multi-day month-end reconciliation crunch and settlement disputes. Fund each partner's share seamlessly through designated escrow accounts, split every borrower collection accurately across principal, interest, fees, and penal charges, and settle partner balances every single day.
When reporting arrives late in mismatched formats, partner trust erodes. Give every funding and originating partner a dedicated, real-time portal—or bi-directional API feed—to review loans, track daily settlements, and inspect borrower-level asset classification from the exact same source of truth.
Risk-sharing ratios (e.g., 80:20), eligibility rules, blended pricing, hurdle rates, and servicer fees are configured once per partner.
Every newly originated loan is automatically screened against each partner's policy criteria and allocated to the best-fitting programme.
Partners review and approve loans inside their dedicated partner portal, or loans are approved via Straight-Through Processing (STP) within pre-agreed rules.
Each partner's funding share is released through agreed escrow and nodal accounts, with the unified loan live in the LMS.
Every borrower repayment is automatically apportioned between partners across principal, interest, fees, and charges according to the programme waterfall.
Partner balances are calculated and settled daily, backed by shared portfolio reports and a complete, inspection-ready audit trail.
Multi-Partner Setup & Rule-Based Allocation
Set up any number of bank, NBFC, or institutional partners—each with its own risk-sharing ratio, hurdle rate, fee structure, and automated loan-routing rules across CLM-1, CLM-2, Direct Assignment (DA), or BC models.
Partner Portal & Dual-Underwriting Workflows
Allow partners to inspect borrower CAMs, KYC documents, and credit scores to approve loans inside a dedicated portal—or automate instant approvals within pre-agreed BRE rules.
Split Disbursement & Blended Borrower Pricing
Coordinate single or multi-tranche split disbursements from partner escrow accounts while maintaining a single borrower-facing repayment schedule and blended interest rate.
Repayment Apportionment & Daily Escrow Settlement
Automatically apportion every EMI, part-prepayment, foreclosure, and overdue recovery between partners according to your waterfall rules and execute daily net or gross settlements.
Shared Reporting, Partner Risk & Regulatory Audit
Generate daily settlement packs, partner-level delinquency dashboards, and synchronized asset classification reports that satisfy both internal treasury teams and statutory auditors.
Whether you are an originating NBFC scaling AUM with capital-light partnerships or a Bank expanding priority-sector reach, Rewafin powers your exact co-lending role.
Capital-light AUM expansion via RBI CLM-1 & CLM-2, automated multi-bank loan allocation, servicer fee & Excess Interest Spread (EIS) accounting, and Direct Assignment (DA) / Pass-Through Certificate (PTC) pool management.
Priority Sector Lending (PSL) book building with NBFC/MFI originators, automated credit policy & BRE screening before funding, escrow reconciliation, and partner-wise exposure & risk monitoring.
Long-tenure housing and LAP co-lending management, multi-tranche construction-linked split disbursements, floating-rate (EBLR/MCLR) reset synchronization across partners, and CERSAI co-lender charge tracking.
High-volume JLG/SHG micro-loan co-lending and Business Correspondent (BC) portfolio management, automated FLDG / default-loss guarantee tracking within regulatory limits, and daily center-collection apportionment.
Shared syndicate and consortium lending workflows across state/district co-operative tiers, transparent member-loan fund allocation, and automated inter-institution settlement ledgers.
High-velocity digital onboarding with instant bureau/bank parsing and straight-through disbursal.
Underwrite MSME term loans and working capital using cash-flow, GST, and AI appraisal.
Branch and doorstep gold lending with digital purity appraisal, live LTV, and vault tracking.
Dealer-led vehicle financing with instant showroom approvals, payout, and RC/insurance tracking.
Coordinate borrower cash-flow appraisal, parallel legal-technical valuation, and title custody.
Assess students and co-borrowers with semester-linked college payouts and moratorium tracking.
Instant point-of-sale checkout approvals with brand subvention, no-cost EMI, and dealer settlement.
Offline-first JLG/SHG field onboarding, RBI household income checks, and center collections.
Crop-cycle and KCC lending with land-record verification and harvest-aligned repayment schedules.
Synchronize buyer underwriting, builder/project approvals, and construction-linked tranche disbursals.
Runs natively across the Rewafin product suite or plugs directly into external Bank/NBFC Core Banking Systems, LOS, LMS, and sponsor bank escrow APIs.
Native Rewafin Suite Continuity
External Banking, Escrow & Partner Rails
Multi-channel onboarding, automated KYC, and AI-assisted credit decisioning.
Automate repayment schedules, NACH/UPI collections, restructuring, and ledger posting.
Run HR, payroll, corporate accounting, and GST/TDS compliance on your lending core.
Recover faster with AI-prioritized queues, omnichannel nudges, and geo-tagged field apps.
Spot portfolio stress early with live cohort dashboards and AI early-warning signals.
Enforce RBI policy rules in every workflow with immutable audit trails and live returns.
Still unsure? Our lending specialists are happy to walk through the specifics for your institution.
Talk to our teamYes. Partners can either use the built-in Rewafin Partner Portal directly, or connect their existing systems seamlessly through our REST APIs, webhooks, and configurable SFTP file-exchange adapters.
Yes. Rewafin supports your workflows whether you originate loans and place a share with funding banks/NBFCs, or act as the funding institution acquiring loan shares from originating partners.
Yes. Risk-sharing ratios, borrower and partner pricing, servicer fees, eligibility scorecards, waterfall rules, and settlement frequencies are configured independently for each partnership programme.
While exact timelines depend on the partner's external API or file readiness, configuring a new partner's rules, ratios, and portal access on Rewafin takes days—enabling most end-to-end partner launches within 2 to 3 weeks.
In 30 minutes, we'll walk through your co-lending partnerships and show how Rewafin automates loan allocation, split disbursement, daily settlement, and partner reporting.
