Integra Lending Management
Every loan, application to closure
Loan origination, credit, disbursement, servicing and collections for lenders of every size.
- Applications
- KYC
- Credit Assessment
- Approval
- Loan Products
- Disbursement
- Repayments
- Collections
- Compliance
- Portfolio Analytics
- modules
- 26modules
- groups
- 7groups
Benefits
What your lending team gains
Integra Lending Management is the loan engine from Integra for Lending & Financial Services, available on its own. Here is what changes across the loan lifecycle.
Faster applications
Digital applications, KYC and consent captured once.
Better credit decisions
Bank statements, bureau reports and scorecards in one view.
Clear approvals
Policy rules and approval limits applied the same way every time.
Any loan product
Flat, reducing, EMI and custom schedules configured without code.
Faster disbursement
Disbursement and loan accounts created from the approval.
Repayments on time
Receipts, auto-debit and reminders matched to each account.
Stronger collections
Delinquency buckets, field visits and promises tracked.
Compliance ready
Grievances, regulatory and bureau files prepared from the ledger.
Books that balance
Every disbursement, repayment and charge posts to the ledger.
Grows with you
Add microfinance, deposits and co-lending from the full lending suite.
Modules
Every module in Integra Lending Management
26 modules in 7 groups. Start with what you need and switch on the rest as you grow.
Loan Origination
- Loan ApplicationsApplications captured at the branch, in the field or online.From Starter
- KYC & ConsentIdentity checked and consent recorded before any bureau pull.From Starter
- Document Intake & Fraud ChecksStatements, salary slips and returns read and checked.From Growth
Credit Assessment
- Bank Statement AnalysisCash flow, obligations and bounces from statements.From Growth
- Credit Bureau ReportsBureau reports read into active loans and repayment history.From Growth
- Income & AffordabilityIncome checked across documents and affordability worked out.From Premium
- Scorecards & Policy RulesScorecards and policy rules that decide consistently.From Premium
- Credit ApprovalMaker-checker sanction with authority limits.From Starter
Products & Schedules
- Loan ProductsLimits, rates, fees and terms set up without code.From Starter
- Repayment SchedulesWeekly to monthly schedules, flat or reducing balance.From Starter
- Pricing & DisclosuresAnnual rates and all charges shown clearly to borrowers.From Growth
Disbursement & Servicing
- DisbursementPayouts verified, released and activated once.From Starter
- Loan Accounts & LedgerEvery loan account with its full transaction history.From Starter
- RepaymentsRepayments collected and allocated by policy.From Starter
- Prepayment & RestructuringPrepayments, rescheduling and moratoriums with approval.From Premium
Collections
- Delinquency ManagementOverdue loans worked from early warning to resolution.From Growth
- Field Visits & PromisesVisits and promises to pay recorded on the phone.From Growth
- Settlement & Write-offSettlements and write-offs approved and recorded.From Premium
Compliance & Protection
- Borrower GrievancesComplaints recorded and resolved within set times.From Starter
- Bureau & Regulatory ReportsBureau files and regulatory returns prepared from the ledger.From Growth
- Access & Audit TrailOfficers see only their branches and every action is logged.From Starter
Intelligence & Platform
- Accounts PostingEvery disbursement, repayment and charge posted to the ledger.From Starter
- Portfolio AnalyticsPortfolio at risk, vintages and roll rates.From Growth
- Borrower AppBorrowers see dues, statements and pay online.From Premium
- Integra AIAI underwriting memo and early warnings. People decide.From Enterprise
- IntegrationsBureaus, banks, auto-debit and messaging connected.From Starter
Brochures
Brochures for Integra Lending Management
Read them online or download the PDF to share with your team.
- Product sheet
Integra Lending Management
PDF · 561 KB
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