LOAN MANAGEMENT SYSTEM
M2P's LMS manages the full post-disbursal lifecycle, EMI scheduling, repayment allocation, restructuring, NPA and asset classification, settlements, accounting, and co-lending, across 15+ loan product types.
M2P LMS handles the full complexity of a modern lending book with AI embedded in servicing, reconciliation, and collections.
Borrowers Serviced
Active Loan Accounts
Total Loan Portfolio
Peak Capacity
Comprehensive loan servicing from first EMI through closure, including rescheduling, restructuring, NPA handling, write-offs, and ongoing portfolio management.
Comprehensive repayment processing with support for standard repayments and foreclosures
Flexible handling of loan rescheduling and restructuring across borrower lifecycles
Continuous DPD tracking with integrated NPA management and asset classification
Built‑in provisioning and subsidy management for effective portfolio risk control
24/7 AI chatbot for account information, payment reminders, grievance handling, and sentiment analysis. Multi-language support.
AI-driven propensity modelling for personalized product recommendations based on repayment behavior.
A regulatory‑aligned accounting and reporting layer with automated postings and controls.
Full sub‑ledger with automated posting and regulatory‑grade reporting outputs
Product‑level chart of accounts with GST and accrual or cash accounting modes
Automated JE posting and reversals with manual entry support and EOM/EOY closures
DPD calculation, asset classification, income de‑recognition, and 40+ standard reports
Intelligent orchestration of loan disbursements and repayments across banks and payment rails with real‑time visibility and control.
Execute disbursements via real-time and standard bank transfers, with automatic transaction splitting when payments exceed the configured per-transaction limit
Automatically manage disbursement failures with retry support and status tracking across attempts
Repayment collection across multiple payment modes - digital recurring payment mandates, real-time transfers, and bank transfers
Provide configurable webhook notifications for disbursement, repayment, and recurring payment events
Automates NACH/ECS management, multi-channel payment matching, instant confirmation, and bounce handling.
M2P supports co‑lending programs through integrated LOS and LMS capabilities, enabling structured capital contribution, settlement, and reconciliation across partners.
Configurable capital contribution, hurdle rates, and principal or interest computation strategies
Repayment schedule allocation between borrower, lender, and originator
Escrow integration via third‑party providers with PayIn and PayOut support
Automated reconciliation with real‑time data synchronization and retry mechanisms
Dual bureau reporting and CLM reports for internal and regulatory use
Supports a diverse portfolio of 15+ loan types, including secured and unsecured offerings
Finflux by M2P’s loan management system is designed for a wide range of financial institutions, including NBFCs, banks, microfinance institutions, credit unions, and fintech lenders. The loan management software supports diverse lending models and enables institutions to manage portfolios efficiently at scale."
Our loan management system supports 15+ loan product types, including personal loans, business loans, vehicle loans, gold loans, payday loans, microloans, and other secured and unsecured loan products. This flexibility allows lenders to manage multiple lending products on a single loan management platform.
Yes. It is a highly configurable loan management system that allows lenders to customize loan terms, repayment schedules, interest rates, fees, charges, repayment frequency, and product rules. This configurable loan management software ensures alignment with each lender’s business policies and operational requirements.
Finflux by M2P’s loan management system enables lenders to restructure or reschedule loans by configuring changes to loan tenure, repayment schedules, interest rates, and other parameters. This flexibility allows lenders to accommodate borrower needs while maintaining operational control and policy compliance.
Yes. Our loan management software supports bureau reporting and integrates with major credit bureaus. Lenders can report borrower and repayment data to bureaus such as Experian, Equifax, and TransUnion, helping maintain accurate credit reporting as part of loan lifecycle management.
Finflux by M2P’s loan management system streamlines the entire loan lifecycle, from product setup and disbursement to repayment tracking, restructuring, and closure. The platform centralizes servicing operations and improves portfolio visibility through a unified loan management solution.
Yes. Our API‑first loan management system integrates easily with core banking systems, accounting platforms, CRMs, and external marketplaces. This enables seamless data exchange and supports end‑to‑end lending operations without disrupting existing systems.
Our loan management system includes built‑in controls and configurable rules that support compliant lending operations. By embedding policy‑driven configurations into servicing workflows, the loan management software helps lenders maintain consistency and regulatory alignment throughout the loan lifecycle.
Vadim T,
Ease of integration using their APIs and tools. We have done multiple integrations and timely deployment. Integrate easily from core system with external marketplace requirements
Sishir Garemella,
Ability to understand our organization's needs. They realize each customer is unique. Experienced installation team and aligned partnership. Finflux implementation helped our goal of reducing time to market for our products.
M2P: AI-ready to serve you
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