Next-Gen LMS
Encore Lend
Experience precision, agility, and zero complexity. Onboard faster, disburse smarter, and collect effortlessly with a truly digital lending experience.
Experience precision, agility, and zero complexity. Onboard faster, disburse smarter, and collect effortlessly with a truly digital lending experience.
Experience the next generation of loan management. Encore empowers your business to onboard faster and disburse smarter, providing your customers with a digital, transparent experience.
From Term Loans and Overdrafts to Supply Chain Finance and Gold Loans, Encore is industry-agnostic and highly configurable. It supports complex setups like Co-Lending, Direct Assignment, and diverse interest computation methods.
Retain your competitive edge by being the first to market. Encore360 features a powerful, low-code Product Configuration Engine that offers a multitude of parameters to model virtually any financial product—from simple micro-loans to complex secured portfolios.
We don't stop at building. Our simulator allows you to trial run new products against simulated data sets. Observe processing effects, test regulatory compliance, and assess profitability before risking production deployment.
Iterate rapidly and turn market opportunity into revenue in a fraction of the time required by hard-coded systems.
In a fast-paced lending environment, flexibility is your greatest safeguard. Encore360 eliminates the stress and risk associated with historical transaction errors. Whether correcting a human mistake or adapting to regulatory changes, our Value-Dated Transaction Engine makes amendments and reversals a breeze.
Reprocess from a past date and let the system automatically handle the "ripple effect," recalculating interest, fees, and balances for all subsequent dates.
Every "Time Machine" action is captured in a detailed audit trail, ensuring flexibility without compromising the financial integrity required by auditors.
Stop using Excel for "net adjustments." Fix the error at the source (the value date) and let the system do the heavy lifting.
From RBI mandates to Credit Information Company (CIC) accuracy, Encore360 ensures every loan lifecycle event is governed by the latest regulatory rules.
Automates NPA classification and Accrual processing based on the latest IRAC norms.
Enforces Disbursement Confirmation protocols to prevent non-compliant fund flows.
Manage restructuring within RBI frameworks with precise reporting impact.
Generates validated files for all major Credit Information Companies to reduce rejections.
Everything you need to run a modern lending business.
Supports Term Loans, Overdrafts, BNPL, Supply Chain Finance, Gold Loans, LAP, Salary Advances, and more.
Full support for Colending and Direct Assignment. Automated split reporting, proportional/equated installments, and ratio customization.
Hierarchical GL structure (Head, Sub-Head). IndAS compliant with built-in modules for GST, TDS, vouchers, and reconciliation.
Horizontally scalable architecture for 24x7 operations. Fully digital lifecycle exposed via REST APIs for seamless integration.
Back-dated & future-dated transactions. Immutable audit trails for amendments and reversals. Maker-checker controls.
Reconcile your bank statements with your LMS transactions. Keep track of unreconciled transactions
Specifically designed for Indian NBFC challenges, including regulatory compliance and diverse products.
Automates critical workflows from onboarding to repayment, reducing manual errors.
Robust SaaS platform that scales with your portfolio while maintaining stringent security.
Open REST APIs allow easy integration with banks, gateways, and third-party systems.
Encore Lend is built for NBFCs managing secured and unsecured loan portfolios across agri, MSME, housing, loan against property (LAP), supply chain, corporate, and education lending segments. The platform is particularly well suited for NBFC–Bank co-lending partnerships that demand accurate accounting, partner-wise settlements, and regulatory compliance at scale.
Traditional LMS platforms are largely static systems designed for basic loan servicing. Encore Lend is a configurable lending platform that adapts to diverse loan products, co-lending models, and regulatory requirements without heavy customization.
With native support for NBFC–Bank co-lending, compliance-ready accounting, and seamless integrations, Encore Lend enables NBFCs to scale efficiently while avoiding the operational bottlenecks common in legacy LMS solutions.
Yes, it fully supports Co-lending with automated reporting, split schedules, and complex ratio management.
Absolutely, we support both portfolio sales and purchases with complete accounting automation.
Yes, the architecture supports CockroachDB and horizontally scalable jobs to handle high-volume 24x7 operations.
Yes, the entire lifecycle from onboarding to disbursement and repayment is exposed via REST APIs.
We are pre-integrated with leading banks (ICICI, IDFC First, Kotak, etc.) for seamless digital disbursements.
The system includes maker-checker controls, immutable audit trails, and built-in IndAS/CIBIL compliance reporting.