thinkNXG Lending — FLOSS Loan Management System

100% FLOSS & API-First — AGPL-3.0

Floss
loan management
system

thinkNXG Lending automates the entire lending lifecycle — from loan booking and disbursal to repayment tracking, compliance, and reporting. Manage personal loans, business financing, and co-lending — all in one place.

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Loan Products

Disbursals

Repayments

Collateral

Compliance

Co-Lending

Accounting

Risk & NPA

273⁺

GitHub Stars

18⁺

Contributors

Core Modules

100^%

FLOSS

Why thinkNXG Lending

Everything a modern lending business needs

Built by practitioners for the realities of lending — no rigid SaaS lock-in, no opaque pricing, no compromise on functionality.

100% FLOSS & API-First

No licensing fees, no vendor lock-in. Customise, extend, and integrate with your existing systems via clean REST APIs and webhooks.

Scalable & Trusted

Designed for high-volume lending operations. Used by Zerodha, Kinara Capital, and other leading financial institutions across India.

Complete Loan & Financial Management

Manage loan origination, disbursements, repayments, and accounting in one unified platform — no reconciliation between systems.

Built-in Compliance & Risk Monitoring

Automated DPD tracking, NPA classification, and regulatory reporting ensure compliance without manual effort or third-party tools.

Accounting, Billing & Taxation

Integrated ledgers, invoicing, and tax handling keep your financials accurate and audit-ready at all times.

Custom Workflows & Role-Based Access

Define multi-step approval workflows, automate processes, and control access with fine-grained role-based permissions.

Features

What thinkNXG Lending has to offer

Seven deep modules covering every stage of the lending lifecycle — from product setup to portfolio exits.

Loan Products & Management

Create and manage flexible loan products with customisable terms, interest rates, amortisation schedules, and repayment options.

Fixed & Reducing Balance

Custom Repayment Schedules

Bullet & EMI Structures

Loan Operations

Streamline the entire loan lifecycle — from application, credit assessment, and approval through disbursement and closure.

Loan Application Workflow

Multi-stage Approvals

Disbursement Tracking

Collateral & Security

Track and manage collaterals, guarantees, and securities linked to loans. Monitor LTV ratios and handle top-up and release workflows.

LTV Monitoring

Pledge & Release

Security Valuation

Financial Accounting

Ensure accurate financial tracking with automated journal entries, real-time ledger updates, and integrated financial reporting.

Auto Journal Entries

Real-time Ledgers

P&L & Balance Sheet

Billing & Taxation

Automate billing, penal interest calculations, processing fee invoices, and GST/tax compliance for seamless transactions.

Automated EMI Billing

Penal Interest

GST Compliance

Risk & Compliance

Mitigate risks with automated credit assessments, DPD tracking, NPA classification, and regulatory compliance reporting.

DPD Tracking

NPA Classification

Regulatory Reporting

Co-Lending & Loan Transfers

Facilitate co-lending partnerships, manage loan portfolio transfers, and handle multi-lender structures within a single system.

Co-Lender Setup

Portfolio Transfers

Multi-lender P&L Split

Loan Lifecycle

End-to-end loan management in one place

From the moment a borrower applies to the final closure, every step is tracked, automated, and auditable inside thinkNXG Lending.

Loan Application & Credit AssessmentAccept applications via portal or API, score borrowers, run KYC checks, and push through configurable approval stages.

Disbursement & Repayment TrackingDisburse via bank transfer or cheque, generate repayment schedules automatically, and track every payment against the schedule.

Amortisation & ForeclosureAuto-generate amortisation tables for any product type. Process part-payments, top-ups, and early closures with full accounting.

Collections & RecoveryTrack overdue accounts, assign collectors, log field visits, and manage recovery proceedings — all in one workflow.

Active Loan Portfolio

LN-2025-0041Current

LN-2025-0038DPD 15

LN-2025-0031NPA

LN-2025-0027Foreclosed

Repayment Schedule

Principal Recovered₹4.2L / ₹10L

Interest Collected₹68K / ₹1.4L

EMIs Completed10 / 24

Risk & Compliance

Stay compliant.
Automatically.

Regulatory compliance shouldn't be a manual effort. thinkNXG Lending automates the checks, classifications, and reports that keep your NBFC or bank audit-ready at all times.

Automated DPD TrackingDays Past Due are calculated nightly and surfaced in dashboards — no spreadsheets, no manual checks required.

NPA ClassificationAutomatically classify loans as Sub-Standard, Doubtful, or Loss Assets per RBI / regulatory guidelines.

Credit Bureau IntegrationPull CIBIL / credit bureau scores via API during loan assessment and store reports against the borrower record.

Regulatory ReportingGenerate compliant reports for RBI, SEBI, and other regulators directly from your live data — no manual extraction needed.

NPA Classification Summary

Standard Assets84%

Sub-Standard9%

Doubtful5%

Loss Assets2%

DPD Bucket Analysis

0 DPD₹42.8 Cr

1–30 DPD₹3.2 Cr

31–90 DPD₹1.1 Cr

90+ DPD₹0.4 Cr

Get Started

Up and running in 3 steps

thinkNXG Lending is designed for fast deployment. Most lenders go live in days, not months.

Configure Your Loan Products

Set up your loan products — define interest rates, repayment structures, collateral requirements, and approval workflows using a simple guided setup wizard.

Import Borrowers & Existing Portfolio

Bring in your existing customer database, loan accounts, and historical repayment data via CSV importers. No coding or data engineering required.

Go Live & Scale

Start originating new loans, track the full portfolio in real time, and integrate with your customer-facing apps via REST API. Scale confidently with thinkNXG Cloud.

Integrations