Unleash the power of modular system design

inGain's no-code SaaS loan management system is modular and offers unparalleled flexibility and scalability for complete loan and customer lifecycle management. Use an end-to-end solution or replace any of the modules with your selected third party solution.

Product engine

General ledger

Track unique loans, perform daily loan recalculations, input data for loan portfolio analysis.

Product and pricing configurator

Design new products, set arrears and define pricing based on installment, credit line and bullet loan calculation methods. Define late payment penalties, limits and grace periods.

Campaigns configurator

Design loyalty and marketing campaigns e.g. Happy Friday, first 60 days interest-free, birthday discount.

Loan disbursement

Disburse loan in cash, via batch bank payment or payment gateway (additional system modules required).

Payment reconciliation

Reconcile incoming payments, manage payment attribution order. Import payment data via bank statement upload or payment gateway integration (additional system modules required).

Loan portfolio management

Track loan portfolio by loan status.

Loan restructuring

Restructure non-performing loans into a new payment schedule.

Accountancy report

Export report in a file format supported by your accountancy software. Create API integration with accountancy software (additional system modules required).

Crowdfunding engine

General ledger

Track every unique transaction in investors, fundraisers and the platform wallets, input data for portfolio analysis, reports and dashboards.

Fundraising

Design and configure fundraising campaigns, set terms and milestones, define pricing based on instalment, credit line and bullet loan calculation methods.

Investment

Configure investor returns to match fundraising campaign’s cash flows. Set minimum holding period, payout rules and other investment critical features.

Platform

Configure platform fees and commissions to match fundraising campaign’s cash flows. Set one time issuance fees, management and success fees.

Campaign configurator

Design investor loyalty campaigns including cash-back investments, refer-a-friend promotions, VIP offers.

Transfer reconciliation

Reconcile all wallet transactions, manage payment attribution order. Import transfer data via bank statement upload or payment gateway integration (additional system modules required).

Accountancy report

Export report in a file format supported by your accountancy software. Create API integration with accountancy software (additional system modules required).

CRM module

Customer card

Single point of all information about the customer (consumer or business), investor (consumer or business) and fundraiser.

Client information

Register customer's information from loan application form and third party data vendors (additional system modules required).

Applications & history

Browse existing and historic loan applications and loans, view reasoning for denied loans.

File storage

Store files related to customer and loan application e.g. ID document copies, bank statements, credit bureau reports.

SMS

Directly in customer card send custom SMS or generate a message from a template containing customer and loan information. View all sent and received SMS with the customer.

Email

Directly in customercard send custom email or generate a message from a template containing customer and loan information. View all sent emails to the customer.

VoIP telephony

Make calls directly in the customer card. All conversations may be downloaded and stored in customer card for quality and compliance purposes.

Notes and tasks

Create notes and tasks related to customer or loan.

Logs

All activities and changes in customer and loan information are recorded in log files for quality and compliance purposes.

Customer labels

Create and assign customer labels, filter for further workflows and automations.

Black list

Create a black list of customers that are auto-denied during loan application.

Customer archive

Store limited information about the customers that used their right-to-be-forgotten under your legitimate business purpose.

Loan approval staging

Define multi-level loan approval process, combine automations with manual interactions such as credit committees approval.

Document generator

Create document templates such as agreements, consent forms and invoices containing placeholders of customer and loan data.

Messages editor

Create email and SMS templates for payment reminders, loan offers and similar containing placeholders of customer and loan data.

Communication automation

Set triggers to automated communication with customers.

Batch communication

Filter customer and loan information to create recipient lists for SMS and emails.

Tasks

Overview tasks assigned to users, resolve the done tasks e.g. in customer support, debt collection.

Affiliate network management

Manage affiliate networks and tracking links, generate statistics, resell denied leads (additional system modules required).

Broker management

Manage connections with brokers, generate statistics, resell denied leads (additional system modules required).

Merchant register

Register merchants and other partners via whom you distribute your services.

Users and permissions

Create users and set permissions to view, edit and delete customer and loan information. Enable 2FA, IP address whitelisting, custom CRM language. Access user log files.

Language

Translate, rename field names used in the CRM module.

Debt collection module

Debt collection baskets

Differentiate debt collection strategies based on days-past-due-date (DPD) and previous communication. Match collection teams to debtors baskets.

Promises-to-pay

Register PTP, monitor team performance and collection rates. Stop penalty calculation during the term of PTP.

VoIP telephony

Integrate omni-channel communication platforms to streamline debt collection communication process.

Cash-box module

Branch office register

Register branch offices and working hours, assign employees (system users).

Cash-box register

Assign cash boxes to branch offices, track loan disbursements and repayments, top up and withdraw funds from cash-boxes.

BI module

Default statistics

Default business intelligence reports about customer acquisition metrics, sales and loan portfolio management.

Custom reports

Any individually constructed reports and dashboards.

DB replica

Connect to real time DB replica with your own BI tools and run managerial and regulatory reports, without a separate BI module fee.

Connector module

Customer acquisition

Generate leads via affiliate networks and loan brokers.

Scoring data

Aggregate loan applicant data from third party vendors to enhance risk profiling e.g. credit bureaus, open banking, telco scoring.

KYC & AML

leverage third party services to meet compliance requirements related to KYC and AML checks.

Payments

Integrate payment gateways, PSD2 PISPs and EMIs to disburse the loans and collect the payments.

Refinancing

Connect to crowdfunding platforms offering to refinance loan portfolios.

Decision engine & scoring module

Knock-out rules

Define hard rules for loan application automatic denial.

Expert scorecard

Define scoring parameters and their weights in total score. Use loan application's demographic data and third party scoring data.

Risk bands and cut-off

Segment customers into risk bands, modify cut-off points for automatic loan approvals.

Risk-adjusted offers

Define interest, loan term and maximum loan limit for each risk band.

Positive monthly liquidity calculation

Calculate maximum loan limit based on their income and liabilities, number of dependents, costs of living.

Collateral management

Collateral registry

Register the collateral to a loan. Default collateral types include vehicles, property and products e.g. solar panels information. Additional types available on request.

Valuation and amortization

Register collateral value information, define loan to value ratio, prepare amortization schedules.

Insurance management

Register insurance information, insurance cases and similar.

Notes and tasks

Create notes and tasks e.g. to send reminders about insurance renewal, prepare re-valuation reports.

File storage

Store all the files related to collateral separately including third party reports, agreements, collateral information.

Assignment to loans

Assign collateral to unique loan.

Inventory management

Manage multiple collaterals by their statuses etc. e.g. car leasing companies may track cars in stock, leased ones, in repairs etc.

White-label interfaces

White-label customer website

Features main lending website functionality with opportunity to change design elements, colors, fonts to launch the website quickly. Sections include public website, indicative loan offer slider/ calculator, dynamic loan application form and steps, customer portal.

POS / Partner portal

Features the main point of sales partner portal functionality with opportunity to change design elements, colors, fonts to launch the portal quickly. Sections include loan application form, loan application status browsing, agreement generation, statistics.

E-commerce widget

Widget designed for embedding into online checkout. Provides for loan application, loan offer andcontract initiation payment.

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