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Co-lending

We make co-lending seamless for NBFCs with our end-to-end digital platform that powers every stage of the lending lifecycle. VivFlo streamlines partner onboarding, policy configuration, underwriting, disbursement, and collections — all within a single, governed workflow.

VIVFlo

Purpose-built tech for a co-lending ecosystem

Built for NBFCs, VivFlo is a robust co-lending loan origination and management system that automates and streamlines the entire lending lifecycle. It enables rapid product launches, seamless partner integration, and intelligent decision-making.

From onboarding co-lending partners to managing complex disbursement and repayment flows, VivFlo provides the agility, scalability, and compliance NBFCs require to operate efficiently and confidently.

whoisit

Who is it
for?

Key features

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01

Asset-Class Wise Product
Configuration

  • Customise product parameters for each asset class, with full control over rules, limits, and lifecycle management.
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02

Customisable Data Points
and Document Master

  • Define KYC fields, loan documents, and other data requirements with complete flexibility.
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03

API and Bulk Upload Loan
Creation and Collections

  • Handle high volumes efficiently via secure, scalable integrations or Excel-based uploads.
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04

Dedupe, KYC, BRE, and Credit
Bureau Integrations

  • Automate credit decisioning and risk checks for faster, more reliable loan processing.
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05

Rapid Underwriting Engine

  • Accelerate approvals with real-time evaluation against lending policies.
  • Monthly Interest Payable: Supports monthly interest repayment models.
  • Calculation Methods: Simple Interest, Daily Compounding Interest, Monthly Compounding Interest.
Vivrithi
06

Unified Customer Profile
Across Loans

  • Maintain a single view of customer data across multiple loans and products.
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07

Quick Partner Onboarding

  • Enable co-lenders or sourcing partners to integrate quickly with minimal technical effort.
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08

Policy Computation and API
Spec Generation

  • Automatically generate specs for partner integration and ensure compliance with co-lending policies.

Value delivered

Faster
Go-to-Market

Launch new lending products or co-lending programs in days, not months, accelerating growth and market responsiveness.

Operational
Efficiency

Reduce manual intervention and eliminate errors with automation across all stages of the lending lifecycle.

Enhanced Credit
Control

Improve decision accuracy through integrated BRE and credit bureau checks for reliable risk management.

Scalable Partner
Ecosystem

Seamlessly onboard sourcing partners, co-lenders, and collection partners to expand your lending network.

Custom-Fit
Workflows

Adapt VivFlo to match your NBFC’s processes precisely, ensuring flexibility without compromise.