Digital lending software and APIs
Build, launch and run digital lending on one platform.
Finovel gives lenders a white-label lending suite for origination, loan management and collections, and an API platform for identity, business and bank checks.
- White-label: your brand, your loan products
- Free sandbox keys for every API
- For NBFCs, banks and fintech companies
Two ways to work with us
Everything a lender needs, in two products
Run your whole lending operation on the suite, or add our checks to the systems you already have.
- Software
Lending suite
A white-label system for the whole loan lifecycle, from the first application to the last repayment.
- Loan origination (LOS)
- Loan management (LMS)
- Collections
- APIs
API platform
Verification and financial APIs through one gateway, one set of keys and one prepaid wallet.
- PAN, Aadhaar and GSTIN checks
- Bank account checks and statement analysis
- Document reading and eSign
The lending suite
One system from application to recovery
Each module works on its own, and together they share one record of every customer and loan.
- 01
Originate
Onboard applicants digitally, run KYC and credit checks, and approve loans with your own rules.
- 02
Manage
Schedule EMIs, collect repayments by auto-debit, and handle overdue loans, restructuring and settlements.
- 03
Collect
Remind borrowers automatically, work calling and field queues, and track every promise to pay.
Loan origination
Turn applications into decisions without paperwork
Every application follows one digital flow: onboarding, KYC, bank statement and bureau checks, your underwriting rules, then eSign and disbursement.
- Digital onboarding and eKYC
- Bank statement analysis and bureau checks
- Underwriting rules you configure
- eSign and disbursement workflows
Loan management and collections
Keep every loan on schedule, and recover what falls behind
The LMS runs repayments and overdue rules for the whole book. When a payment is missed, collections takes over with reminders, calling and field visits.
- EMI schedules and auto-debit by eNACH and UPI AutoPay
- Penalty, overdue and NPA handling
- Risk buckets and promise-to-pay tracking
API platform
The checks behind every loan, as APIs
Use the same kind of checks directly in your own product. Every API has the same request format, a free sandbox and a clear price per call.
- IdentityPAN comprehensiveVerifies a PAN with the issuing source and returns name, status and linked details.₹3.50 per call
- IdentityAadhaar validationValidates an Aadhaar number and returns age band, state, gender and mobile-linked status.₹2.00 per call
- BusinessGSTIN detailsReturns GST registration details: legal name, status, constitution and address.₹2.00 per call
- BankingBank account verificationVerifies a bank account and returns the account holder name (penny drop).₹4.50 per call
- DocumentsBank statement analysisAnalyses a bank statement: every transaction, balances, inflows and outflows, bounces and monthly totals.₹15.00 per call
- DocumentseSign: simple signatureOne person signs a PDF electronically, after confirming a code sent to their email.₹25.00 per call
Who we serve
Built for the businesses that lend
NBFCs
Run personal, MSME and business loans on one configurable system.
Banks
Add digital journeys and automated checks to your lending.
Digital lenders
Keep every step digital, from application to repayment.
Fintech startups
Launch a lending product under your own brand.
Payroll lenders
Lend against salaries with checks and schedules you control.
BNPL companies
Approve small-ticket credit quickly, and keep repayments on track.
Why Finovel
Your lending business, your way
White-label
Launch under your own brand, with your own loan products, workflows and risk models.
Configurable workflows
Change products, rules and approval steps by configuration, not new code.
Compliance built in
KYC checks, underwriting rules and audit logs are part of every flow.
Ready integrations
Aadhaar, PAN, credit bureaus, eSign and payment gateways connect from the start.
Common questions
What is Finovel?
Finovel is a fintech software company. We provide a white-label digital lending suite and an API platform for verification and financial checks, for banks, NBFCs and fintech companies.
Does Finovel lend money?
No. Finovel develops and provides financial technology. It does not directly provide lending services.
Can I use the APIs without the lending suite?
Yes. The API platform stands on its own. Create an account, and sandbox keys are ready straight away.
Where can I learn more?
Read the full FAQ, or book a demo and ask us directly.
See the lending suite with your own loan products
Book a demo and we will walk you through origination, loan management and collections, set up around how you lend.