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Step into the Future of Lending

Experience the power of an API-enriched &
AI-powered tech stack for new-gen lending!

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Business Partners

2.5M

Users Onboarded

Business Partners

50+

Business Partners

Business Partners

₹5,000 Cr+

Gross Loan Value

Business Partners

₹2500 Cr+

Disbursal on Co-lending

A Digital Lending Infrastructure that is SEAMLESS

We help Banks, NBFCs and E-commerce players streamline operations, reduce costs and address discrepancies in sourcing, credit decisioning.

Trusted by Leading Industry Players

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Our Solutions

On Boarding Journey

On Boarding Journey

Supports account creation, eKYC, video KYC, OCR and real-time validations. Fast, secure, and compliant onboarding across mobile, web and partner channels. Configurable for MSME, Agri, ETW and Co-lending; integrates seamlessly with LOS, LMS and external systems.

Loan Origination (LOS)

Loan Origination (LOS)

Automates the entire loan journey from lead capture to disbursement with speed and accuracy. Offers modular flexibility with cloud/on-premise deployment and seamless API integration into core systems. Tailored for banks, NBFCs and fintechs to accelerate go-to-market and streamline operations.

Loan Management (LMS)

Loan Management (LMS)

Manages business, personal and MSME loans with flexible, scalable configuration. Streamlines post-disbursal operations, collections and automated reconciliation. Easily integrates with or replaces existing systems for faster product rollout.

Fraud Management System

Fraud Management System

Detects and mitigates fraud in real-time by monitoring behavior, transactions and anomalies. Ensures AML compliance and supports regulatory checks across digital lending workflows. Seamlessly integrates with LOS and LMS to reduce losses and enhance trust.

Co-lending

Co-lending

Supports CLM1, CLM2 and Pool Buyout models with full lifecycle automation from onboarding to collections. Automates fund flow, reconciliation and partner share tracking with seamless compliance. Enables faster, transparent disbursals while expanding credit access and optimizing asset utilization.

AI-ML Score Models

AI-ML Score Models

Offers Credit Risk Score (AI), Product Propensity Model, Loan Amount Prediction and MSME-focused assessment tools. Enables smarter targeting, personalized offers and improved credit access. Delivers faster, automated underwriting with 95%-98% accuracy in loan amount prediction. Ideal for MSMEs, new-to-credit (NTC) and underserved customer segments.

MSME and Agri Tech On-Boarding Journeys

MSME and Agri Tech On-Boarding Journeys

Built for semi-formal, informal and rural borrower segments with configurable, API-enabled workflows. Uses alternate data and AI-based verification to assess eligibility and reduce risk. Simplifies documentation (GST, Udyam, land records) to ensure faster onboarding and greater transparency.

BNPL Product Suite

BNPL Product Suite

Launch merchant-led or issuer-led BNPL products with real-time credit decisioning. Seamlessly integrate across e-commerce, in-store and partner ecosystems. Manage the full BNPL lifecycle from onboarding to repayments and collections.

Distribution

Distribution

Onboards and manages DSAs, BCs, aggregators and digital marketplaces. Enables real-time lead flow, tracking and payout management through a centralized dashboard. Supports both offline and digital partner models with automated commission and compliance workflows.

Meet Our Leader

As a LendTech solution provider, we bridge the gap between innovation and financial growth, empowering banks and NBFCs in India to embrace digital transformation seamlessly. Together, we drive inclusion, efficiency and a future-ready financial ecosystem.

- GAUTAM SINHA, CEO - LTFLOW
CEO Gautam Sinha

and Expert Team Members

Mr. Aakash Yajnik

Mr. Aakash Yajnik

DVP - Software Alliances

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Mr. Deepak Prakash

Mr. Deepak Prakash

Technical Project Manager

LinkedInX
Ms. Amita Chorghe

Ms. Amita Chorghe

Associate Software Sales

LinkedInX

Case Studies

Client - Bank Of Maharashtra

Bank of Maharashtra wanted a co-lending platform to Co-lend and should support multiple lending partners in their backend.

LT Insights

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Testimonials

Here's what our clients say

Bank of Maharashtra

Bank of Maharashtra

Gaurav Tripathi, AGM.

LTFLoW has successfully implemented our Kisan Credit Card (KCC) loan journey through seamless integration with Jansamarth and our Core Banking System. They also deployed an advanced Co-Lending system — making them the first vendor to deliver this solution to Bank of Maharashtra. Their platform has been reliable, efficient and fully compliant with regulatory requirements.

Shaan Finance

Shaan Finance

Santosh Jena, Credit Head

Partnering with LTFLoW transformed our lending operations. Their platform offers the best reconciliation system we’ve worked with and is backed by exceptional support. From smooth onboarding to robust underwriting and hassle-free disbursement, they have enabled us to serve our customers faster and more effectively.