The whole loan, from apply to collect.
Digitize the entire lending lifecycle — origination, underwriting, disbursement, servicing, and collections — in one platform. Replace fragmented tools and manual work with automated, auditable workflows.
Seven stages, one continuous system.
Every stage is automated, auditable, and visible in real time — no handoffs lost between tools.
Application
A borrower applies through your channel of choice.
Assessment
Credit data and policy rules evaluate the application.
Approval
Decisions are made automatically or routed for review.
Disbursement
Approved funds are disbursed instantly.
Repayment
EMIs are scheduled, tracked, and reconciled.
Collections
Overdue accounts move into prioritized workflows.
Portfolio
Performance and risk are monitored continuously.
Decide faster. Serve more. Spend less.
Process loans faster
Automate origination and decisioning to cut approval times dramatically.
Cut operating costs
Remove manual handoffs and reduce cost-to-serve per loan.
See your whole portfolio
Real-time visibility into performance, risk, and collections.
Decide automatically
Configurable rules and scoring drive consistent, instant decisions.
Run every stage on one platform.
Loan Origination
Capture and process applications across any channel.
Credit Assessment
Evaluate applicants with data-driven scoring and checks.
Rule Engine
Encode lending policy into transparent, editable rules.
Workflow Automation
Route, approve, and escalate without manual chasing.
Loan Disbursement
Disburse approved funds instantly and accurately.
EMI Tracking
Monitor repayment schedules and dues in real time.
Collection Management
Drive structured, prioritized collections workflows.
Customer Portal
Give borrowers self-service access to their loans.
Risk Monitoring
Track portfolio risk signals continuously.
Reporting Dashboard
Consolidate lending metrics into actionable reporting.
From application to disbursal, automated.
Create a loan in one call.
Originate, underwrite, disburse and service — the full LOS + LMS lifecycle over one API.
# Originate a loan application curl -X POST https://api.zyroai.com/v1/loans \ -H "Authorization: Bearer $ZYRO_KEY" \ -d '{ "product": "personal", "amount": 200000, "tenure": 24, "applicant":"cust_8821" }' # → { "loan_id":"LN-4410", "decision":"APPROVED" }
Lend at scale, without the manual work.
Increase approval efficiency without adding headcount — and give borrowers a faster, cleaner experience.