Unsecured Business Loan software

Complete. Configurable. Scalable.

50%

30%

<24

20%+

CredAcc’s fully digital, end-to-end Unsecured Business Loans (BL) solution is purpose-built for Banks & NBFCs to streamline the complexities of unsecured business lending. For lenders offering collateral-free loans, our platform automates the entire process, from borrower onboarding and risk assessment to disbursement and repayment management, all without the need for coding.

Tailored for the unique demands of unsecured lending, it enables fast credit decisioning with configurable, no-code workflows and advanced scoring models that accurately assess borrower profiles, even without collateral. Seamless integration with third-party systems and real-time data analytics provides lenders with the tools to manage risk effectively, reduce approval times, and maintain compliance. With CredAcc, lenders can efficiently scale their unsecured business loan portfolios, delivering fast, reliable financing solutions that meet borrower needs.

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Unsecured Business Loan Products supported

GST-based products

Banking-based products

Financial-based products

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Key features for Unsecured Business lending automation

Automation-driven quick approvals

Accelerate business loan approvals with automation, enabling faster sanctioning without compromising on thorough underwriting standards.

Comprehensive credit assessment

Perform traditional, in-depth credit assessments tailored for unsecured lending, balancing rigorous evaluation with speedy decision-making.

Customer-led journeys

Facilitate borrower-led onboarding for seamless verification, data aggregation, and reduced processing time, enhancing borrower satisfaction.

Digital data processing

Leverage digital data integration to collect and analyze borrower information efficiently, ensuring accurate and real-time assessments.

Automated document generation & E-signing

Streamline the loan process with automated document creation and digital signing, reducing paperwork and simplifying compliance.

Integrated verification tools

Utilize digital verification tools for identity, income, and other key data points, ensuring a secure and efficient origination process.

No-code configuration

Adapt workflows, rules, and approval processes easily without coding, allowing quick adjustments to meet evolving lending policies and market demands.

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The CredAcc platform is flexible, easy to use, and designed to fit your unique lending strategy. Whether you need a complete, out-of-the-box solution or a highly customizable platform, CredAcc is here to provide the best of both worlds to meet the diverse needs of lenders across all products and channels.

Digital onboarding

BL origination with configurable digital application journey

Configurable workflow management

Digitized KYC and KYB

Embedded tax, GST, banking, and other data sources

Fraud prevention

Spreading & underwriting

Automated decisioning engine

Rule based offers, risk scoring, decision trees

BL amount eligibility calculations and credit checks

Digital signing, closing, and booking

Analytics and reporting for better insights

Integration with your core system for seamless and live transactions

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One-stop, full-service platform for end-to-end BL automation

CredAcc’s enables lenders to underwrite loans smarter and faster compared to traditional cloud lending systems. It’s also DIY- simple, highly configurable, comes with pre-built data integrations, and integrates with legacy software.

Borrowers: Transform digital experience

Front-end customer modules for borrowers to seamlessly apply for BL via any channel – digital bankin...

Sales: Onboard and manage customers from anywhere

Dedicated module for sales, DSAs and CAs for BL initiation and onboarding with effective communicati...

Underwriting & operations: More, better, faster Unsecured BL

Assisted by verification and operation modules for enriched applications and faster decisioning, und...

Loan Management: Robust monitoring & custom Unsecured BL products on the go

Proprietary Loan Management system supporting interest and repayment calculations of various types o...

Innovation: Fastest time to market, automated approvals, optimized workflows for funding & closing

No-code modules to power the product and govern operations such as workflow policy, rules, MDM, conf...

Document Management: Generate BL documents easily

Effortlessly create and manage all loan documents from processing to closing, ensuring accuracy and ...

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Why CredAcc - cost-effectively increase Unsecured Business lending

CredAcc solves critical pain-points for lenders making it faster, cheaper and more accurate to underwrite and originate unsecured BL

Online Unsecured Business Loans

to reach a larger market

More accurate underwriting

via multiple data sources and AI /RPA

Reduced time to approve

a BL

Reduced OPEX

to favor more profitable smaller BL

Reduced time to market

for creating more flexible and relevant products

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Get the industry’s most powerful no-code Loan Origination & Management Platform for Unsecured Business lending

Unsecured Business Loan Products supported

Key features for Unsecured Business lending automation

Intelligent infrastructure powering end-to-end Unsecured Business lending

One-stop, full-service platform for end-to-end BL automation

Why CredAcc - cost-effectively increase Unsecured Business lending

Online Unsecured Business Loans

More accurate underwriting

Reduced time to approve

Reduced OPEX

Reduced time to market

Get the industry’s most powerful no-code Loan Origination & Management Software platform for Unsecured Business lending