Finance & FinTech Startup & Small Business SaaS Tools

Co-Lending Management Software

Name: Co-Lending Management Software
Availability: InStock
Author: AO Pay

AOPAY Streamline Co-Lending with Secure Automation

by AO Pay

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About

AOPay Co-lending is software for running bank–NBFC co-lending partnerships with end-to-end digital workflows. The platform covers partnership setup (agreements and risk-sharing ratios), borrower onboarding with KYC/KYB, automated loan origination and decisioning, and multi-party disbursement that splits funds between partners. It also supports ongoing servicing and collections with EMI schedules, payment allocation, and reconciliation, plus escrow account management. The product emphasizes compliance with RBI co-lending guidelines through regulatory reporting, audit trails, and monitoring controls, and it provides real-time dashboards for exposure, performance, and settlement. Developer-facing APIs, sample endpoints, and a sandbox are included, and the offering mentions a source code license for customization to specific partnership models and business rules.

Problem & solution

Problem

Building RBI-compliant co-lending workflows and settlement between banks and NBFCs is complex.

Solution

Software automates co-lending origination, disbursement splits, servicing, and settlement via APIs.

Who it's for

Banks, NBFCs, fintech startups, and digital lenders

Main features

RBI-compliant APIs
Loan origination automation
Split disbursement
Escrow & reconciliation
Portfolio analytics