Loan Management System to Power the Core of Your Lending.

Achieve efficiency and scale with the AllCloud Loan management system at the center of your lending operations.

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Empowering the Core of Lending

Our agile, flexible and fast Loan Management System combines the most comprehensive tools and solutions to manage and seamlessly service multiple loan products.

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Post Disbursement Loan Operations
Loan and Collateral Documentations
Support Multiple Loan & Interest Products
Prepayment & Loan Restructuring Utilities
Extensive Reporting Tool

Unmatched Ease

Streamlining the loan restructuring and amendment process

Restructuring and Amendments
Prepayment & Loan Closures
SOA and Certificate Generation
Collection Allocation
Charges & Penalties

APIs that put your business
on growth.

Extend the functionalities of our LMS by opening up our extensive APIs, integrate with mobiles apps, customer portals or any interface. Our core is extensible - simple integrations to make your
business grow.

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LMS API integrations enabling mobile apps, customer portals, and interfaces to extend functionality and drive business growth

One dashboard,
maximum advantage

We have packed all the relevant features in one Single View for you to take charge of your business. All the Tools are just a click away - make instant calculations, and prevent delays and errors.
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Loan management dashboard with single view tools for instant calculations, error prevention, and business control

Accuracy of information

Great configurability

360 view of your portfolio

Seamless operations

Multiple Loan Products
Manage Structured and Flexible Loan products on a single solution.
Active Communications
Automate notifications and activate multiple channels of communication with your customer.
Automate Repayments
Setup Direct Debits and recurring mandates.
Document Central
All Documents are organised in One Place.
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Power Your Lending Transformation

Modernize, scale, and outperform — with India’s most advanced Unified Lending Technology.
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Loan Management System for Modern Lending Operations

AllCloud’s Loan Management System (LMS) is a unified loan management software that
helps lenders manage repayments, collections, accounting, and compliance from a single platform. Built for banks, NBFCs, MFIs, and digital lenders, it supports multi-product portfolios at scale with complete operational control.

Loan management system dashboard with performance trends, collections by city, loan sessions, and portfolio insights

Why Modern Lenders Need an Advanced Loan Management System

Lending complexity doesn’t start at origination—it starts after disbursement.

As portfolios grow, repayments, collections, accounting, and compliance spread across teams and tools. Manual processes and legacy systems create delays, reconciliation gaps, and audit risk. An advanced Loan Management System (LMS) brings order to this complexity by centralizing post-disbursement operations in one system of record. It enables lenders to automate repayments, track delinquencies in real time, run structured collections, and stay audit-ready as they scale. AllCloud LMS is built for how lending actually works—helping lenders scale portfolios with control, clarity, and confidence.

Automated EMI and interest calculations
Real-time overdue and delinquency tracking
Structured collections and recovery workflows
Accurate accounting and reconciliation
Audit-ready compliance and regulatory reporting
A robust Loan Management software acts as the operational backbone of lending, ensuring that repayments, collections, finance, and compliance teams work from a single source of truth. AllCloud delivers an Enterprise-Grade Loan Management System purpose-built for real-world lending operations — not just system demos.

Built to Strengthen the Operational Core of Lending

Core Loan Operations
Post-Disbursement Loan Operations

Manage EMIs, collections, overdues, closures, and servicing workflows from a single system.

Loan and Collateral Documentation

Digitally capture, store, and track loan and collateral documents with full audit trails.

Support for Multiple Loan & Interest Products

Configure diverse loan products, interest methods, and repayment structures without parallel systems.

Prepayment & Loan Restructuring Utilities

Handle part-payments, foreclosures, restructures, and schedule revisions with accuracy and control.

Extensive Reporting Tools

Generate MIS, portfolio, compliance, and audit-ready reports with real-time data visibility.

Scalable Controls for Complex Loan Portfolios
Restructuring and Amendments

Modify loan terms, schedules, and conditions with full control and audit visibility.

Prepayment & Loan Closures

Process part-prepayments, foreclosures, and closures with accurate recalculations.

SOA and Certificate Generation

Generate statements of account and loan certificates instantly and accurately.

Collection Allocation

Automatically allocate collections across principal, interest, charges, and penalties.

Charges & Penalties

Configure, apply, reverse, and track charges and penalties as per policy.

Loan Management System Workflow

Every action is logged, controlled, and auditable — ensuring operational discipline at scale.
Loan Account Setup
Repayment Schedule Generation
EMI Collection & Allocation
Overdue Detection
Delinquency Bucketing
Compliance & Regulatory Reporting
Closure / Renewal / Write-Off
Recovery & Legal Actions
Collections & Follow-Ups
Collections & Follow-Ups
Recovery & Legal Actions
Closure / Renewal / Write-Off
Compliance & Regulatory Reporting

Loan Management Software for Multiple Lending Products

AllCloud’s Loan Management System is designed to service diverse loan portfolios from a single platform — without compromising product-specific logic.
Auto Loan Management System

Built for vehicle finance portfolios requiring asset-linked servicing and structured recoveries.

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Business Loan / MSME Loan Management

Designed for variable repayment structures and complex borrower relationships.

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Personal Loan Management Software

Purpose built for high-volume retail lending.

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Microfinance Loan Management

Field-ready servicing for group and individual loans.

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Gold Loan Management System

Secure servicing for gold-backed lending

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Core Loan Management Software Features for Scalable Lending Operations

Loan management system interface highlighting delinquency management, borrower communication, repossession, and dealer trade advance workflows
Delinquency Made Simple
  1. Automatic NPA tagging
  2. Provisioning and reversal workflows
  3. Regulatory-aligned delinquency handling
Repossession & Legal Recovery
  1. Automated triggers for repossession and legal action
  2. Structured legal workflows with case tracking
  3. Faster recoveries for stressed loan accounts
Omni-Channel Borrower Communication
  1. Centralized SMS, WhatsApp, email, and app alerts
  2. Consistent borrower communication across the loan lifecycle
  3. Reduced follow-up leakage and disputes
Dealer Trade Advance Management
  1. Transparent dealer funding with automated interest calculations
  2. Instant dealer statements and settlement visibility
  3. Reduced reconciliation issues in vehicle finance portfolios
Built for Every Lending Process
  1. New loans, renewals, refinancing, balance transfers
  2. One Loan Management software that adapts as lending portfolios evolve

From Operational Risk to System-Led Control

Loan servicing challenges rarely appear at disbursement. They surface when portfolios grow and operations become complex.
As loan volumes increase, many lenders struggle with
Without an LMS
Repayments tracked in spreadsheets
Manual EMI calculations and disputes
Poor visibility into overdues
Disconnected collections and finance teams
Slow reconciliation and MIS
Missing audit trails and compliance gaps
Multiple systems for different loan products
With a Loan Management System
Centralized, real-time repayment tracking
Automated EMI and interest calculations
Live delinquency and overdue dashboards
Unified collections, finance, and legal workflows
Automated reconciliation and instant MIS
Built-in audit trails and compliance reporting
Single LMS for multi-product loan portfolios

Mobility is at the core of modern lending

Mobile loan management system app showing loan overview, receipt allocation, file tracking, trade advance, and borrower communication

Why Lenders Choose AllCloud

  • Enterprise-grade Loan Management software
  • Unified with origination, collections, and analytics
  • Highly configurable without heavy IT dependency
  • Built for Indian regulatory requirements
  • Supports digital, assisted, and field-led lending models
  • Trusted by 100+ lenders across India and Africa
It is a purpose-built Loan Management System for lenders to scale with confidence.

Frequently Asked Questions

What is AllCloud’s Loan Management System?

AllCloud’s Loan Management System is a comprehensive, enterprise-grade loan management software designed to manage everything that happens after loan disbursement. It enables lenders to automate loan servicing, EMI management, collections, recovery, accounting, and regulatory reporting from a single unified platform.

AllCloud Loan Management System is built specifically for NBFCs, banks, MFIs, and digital lenders managing large and complex loan portfolios across multiple products and geographies.

How does AllCloud Loan Management software handle delinquent and stressed loan accounts?

AllCloud Loan Management software automates the complete repayment lifecycle. It generates accurate EMI schedules, supports part-payments and foreclosures, applies penalties and reversals automatically, and allocates collections correctly across principal, interest, and charges.

The system also enables automated borrower reminders via SMS, WhatsApp, email, and app notifications, helping lenders improve on-time repayments while reducing manual effort and reconciliation errors.

Can AllCloud Loan Management System manage multiple loan products in one system?

Yes. AllCloud’s Loan Management System is designed to support multiple loan products from a single platform without parallel systems. It supports:

· Personal loans
· MSME and business loans
· Vehicle and auto loans
· Microfinance (group and individual loans)
· Gold loans

Each product can have separate servicing logic, repayment structures, delinquency rules, and compliance configurations, all managed within the same Loan Management software.
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How does AllCloud Loan Management software ensure regulatory and audit compliance?

Compliance is embedded at the platform level in AllCloud Loan Management software. The system maintains RBI-aligned audit trails, detailed transaction logs, and automated compliance MIS.

AllCloud Loan Management software supports:

· Audit-ready reports
· CIC and regulatory reporting
· Complete traceability of servicing, collections, and recovery actions
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This ensures lenders remain compliant without relying on manual checks or post-facto reconciliations.

What role does AllCloud Loan Management software play in collections and recovery?

AllCloud Loan Management System provides structured collections and recovery workflows to help lenders manage delinquencies effectively.

Key capabilities include:

· Real-time overdue and bucket-wise delinquency tracking
· Automated penalty application and NPA tagging
· Omni-channel borrower communication
· Workflow-driven escalation for recovery and legal actions

This enables collections teams to act earlier, prioritize better, and improve recovery outcomes across portfolios.

How does AllCloud Loan Management System integrate with other systems?

Yes. AllCloud Loan Management System is built on an API-first architecture, enabling seamless integration with enterprise and fintech ecosystems.

How does AllCloud Loan Management software handle delinquent and stressed loan accounts?

AllCloud Loan Management software includes advanced delinquency management capabilities to help lenders proactively manage credit risk.

The system enables:

· Automated alerts for overdue accounts
· Bucket-based delinquency classification
· Configurable escalation workflows
· Recovery and legal case tracking

These features help lenders control NPAs, improve recoveries, and maintain portfolio health as volumes scale.

What are the benefits of AllCloud Loan Management software for NBFCs?

For NBFCs, AllCloud Loan Management software delivers significant operational and compliance advantages, including:

· Automation of servicing and collections workflows
· Reduced manual errors and reconciliation effort
· Improved visibility across loan portfolios
· Strong compliance and audit readiness
· Better borrower experience

This translates into lower operational risk, improved efficiency, and higher profitability as NBFCs grow.

How scalable is AllCloud Loan Management software for growing lending operations?

AllCloud Loan Management software is built on a scalable, cloud-native architecture designed to grow with your lending business.

Lenders can:

· Scale loan volumes without system rework
· Add new branches or geographies
· Launch new loan products quickly
· Support digital, assisted, and field-led models

This makes AllCloud Loan Management software suitable for both fast-growing NBFCs and established financial institutions.

Does AllCloud provide training and support for Loan Management System users?

Yes. AllCloud provides structured onboarding, role-based training, and ongoing support to ensure teams use the Loan Management System effectively.

Training covers:

· Core loan servicing workflows
· Collections and recovery operations
· Reporting and compliance features
· Product-specific configurations

This ensures faster adoption, smoother operations, and maximum value from the platform.

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Simplify Loan Servicing & Scale with Confidence

Replace spreadsheets and disconnected tools with a modern Loan Management System built for growth, governance, and operational clarity.
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See how it works
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