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pennApps Lending Factory…

– Propel  your lending Portfolio 

Lending Factory

Single Platform Based Lending Software for entire lending portfolio

Single Platform based Lending System for all of your Lending Products across the business lines. Highly scalable technology platform that gives you digital customer on-boarding tools, comprehensive  Loan Origination and Loan Management capabilities that truly accelerates your digital transformation.

Lending Factory can help you achieve

Improved Customer Experience |  Product Innovation | Enhanced Operational Efficiencies

Adaptive to Change
Digital at Core
  • Digital Portal 
  • Mobility Suite
  • Paperless Digital Processing
  • API Repository
  • Open Architecture
End to End Loan life cycle
  • Functional Factories
  • Rule based Workflow
  • Rich BPM capabilities
  • Rule based Fee & Charges
  • Event/Trigger based Accounting
Product Innovation
  • Configurable Products
  • Consumer Finance
  • Retail Lending 
  • SME/Business
  • Commercial Loans
  • Project Finance
  • Future Proof Architecture
  • Technology Agnostic
  • Configurable Products/Processes
  • In-Premise or Cloud
  • Componentized Approach

Consolidate all your Lending products on Lending Factory

Lending system supports widest range of Lending Products that are secured or unsecured and across the business lines and customer segments
Retail Loans

Consumer Durables, Life Style Financing, Personal Loan, Professional Financing, Education and many more.

Home Loans

Home Loans, Mortgages, Loan Against Property and many more with a very flexible scheduling.

Business Loans

Configure any type of Loans that include Retailer Advance, Inventory Finance, Project Finance, and many more .

Many More

Supports many more products that includes staged disbursal and powered with a flexible schedule module.

Secured  & Unsecured Lending

Lending Factory’s componentized approach enables you to configure the Secured & Unsecured Lending Products across its range of lending products leveraging independent and powerful Collateral Management module. 

Capabilities to make it Complete suite

Lending Factory comes with powerful Collateral Management Module to effectively manage the complete life cycle of Collaterals and Enterprise Limits Management Module with comprehensive limits management features.

Covering the Complete Loan Life Cycle

Next Generation Lending System covering Loan Origination, Loan Management, Collections & Recovery Salient

Complete suite of Digital Onboarding capabilities for on-boarding the customers digitally.

Streamline and simplify the origination covering the eligibility, appraisal, document collection and disbursal.

Comprehensive Servicing features across the life cycle of the loan coupled with regulatory compliance capabilities.

An Independent collection module to support the collections process effectively and efficiently.

Differentiated Capabilities of Lending Factory

Comprehensive and independent Limits Management Module that can be used across the range of products  
Exceptional Customer Experiences

Deliver frictionless Customer experience

Enable your customers to explore the products, complete applications, apply, provide and receive information  and track progress from any device any time and any where.

Digital capability enables your customers to begin on one Channel and finish seamlessly on another. Achieve smooth and efficient originations process across your customer touch points leveraging the repository of API’s bundled with the platform. You can even extend services and offers during the course of the loan to your digital channels enabling them to avail products and services through the channel of their choice.

Digital Portal
  • On-board customers Digitally
  • Instant Decision with automated Credit Decisioning
  • Instant Lending with realtime integration
End to End Digital Process
  • Digital Document Collection
  • Proven 3rd party interfaces        
  • Rule based workflow for complete automation
Mobility Suite
  • Mobile Apps for Field staff for document collection and verification
  • Mobile Apps for Operational staff for real-time approvals
Omni Channel Experience
  • API Repository across the loan life cycle
  • API’s for most of event/triggers
  • API’s for Loan Servicing processes 
Configurable Products across business lines

Achieve Product Innovation with accelerated go-to-market timelines

Configure product categories, products, product rules, product accounting and product processes… all through configuration.

Leverage the unique concept of Functional Factories of Lending Factory to configure the product of your choice across Retail & Corporate Portfolios.

Define the eligibility rules, checklists, contracts & Agreements, Fee & Charges, Accounting Sets as per your requirements and link them to the products as required. Supports Secured and Unsecured products in one platform.

Solution Factories
  • Product Definitions
  • Checklist Definitions
  • Template Definitions
  • Fee & Charge Definitions
  • Accounting Set Definitions
BPM Capabilities
  • Rule based workflow
  • Industry Standard BPM Capabilities        
  • Rich Graphical Process editor
Rule Factories
  • Business Rules
  • Eligibility Rules
  • Appraisal Rules
  • Process flow Rules
  • Fee & Charge Rules
Flexible Accounting
  • Configurable Fee & Charges
  • Rule based Fee & Charges
  • Rule based Accounting Sets
  • Event/Trigger based Execution
Enhanced Operational Efficiencies.. Differentiated Business Capabilities 

Brings stakeholders of the ecosystem inside to the solution 

Lending Factory built as business driven process centric application to offer high-level of configurability and unmatched flexibility in terms of configuring products and managing the loan processes and to achieve the complete automation from lead to closure. The platform based approach coupled with rule based workflow capabilities bring the stakeholders of ecosystem inside to the solution enabling organizations to achieve operational efficiencies.

Built on open technologies with future proof architectures resulting the solution agnostic to the technology enabling the organizations to chose their choice of underlying technology infrastructure. The cloud based offering offers the clients to scale as per their business growth.

Enterprise class workflow
  • Enterprise Class & Rule based 
  • Any number of levels 
  • Role based queues
  • Event/Trigger based execution
  • Field level access
Risk Management
  • Enterprise class security 
  • Best-in-class audit logging
  • Role based access        
  • Field level access 
End to End Automation
  • Auto validation against Checklists
  • Auto generation of Agreements & Contracts
  • Straight Through Processing 
  • Event/Trigger based Notifications/Escalations
Cloud Enabled
  • Open Technologies
  • Future proof Architecture
  • Platform/Database Agnostic
  • Device/Browser Agnostic


Lending System’s highly flexible business process editor enables clients to define the business processes mapping appropriate functional factory component at the required stage of the workflow. Execution engines ensure the execution of the defined functional factory component at each stage of the workflow to achieve the required result.

Highly Configurable

  • Product Definitions
  • Product Business Rules
  • Product Process Rules
  • Documents & Checklists
  • Agreement & Contracts
  • Rule based Fee & Charges
  • Multi Channel Servicing
  • SOA Based Integration
  • Dashboards
  • Drilldown Reports
  • Alerts and Escalations
  • Documented Data model
  • Configurable Accounting
  • Formula based Accounting Entries

Onboarding & Origination

  • Easy Customer Data Capture
  • Flexible Eligibility Checks
  • What If Calculations
  • Duplication Checks
  • Rules Based Scoring
  • Credit Bureau Integration Feasibility
  • Configurable Dedupe Fields
  • Black Listing and Negative Checking
  • Workflow based Approvals
  • Customer Documents Generation
  • Dashboard for monitoring TAT
  • Event based postings to Accounts

Differentiated LMS Features

  • Retail and Corporate
  • Fixed, Floating and Term
  • Complete Loan Life Cycle Management
  • Multiple Disbursements
  • Easy Profit Rate Management
  • System Driven Settlements
  • Transparent Profit Calculation
  • Customer Driven Billing Cycles
  • Daily Accrual
  • Flexible Rule based Fee Management
  • Penalty Management
  • Delinquency Management
  • Collections & Recovery
June 10, 2018 in News, Product News, Product PLF

penApps Lending Factory Goes Live at Avanse Financial Services in shortest possible time

June 2018, Hyderabad:  Pennant Technologies, a leading technology provider in Lending Market space announced the successful implementation of its flagship end to end lending suite at Avanse Financial Services in... Read More
August 21, 2017 in News, Product News, Product PLF

Bajaj Finserv goes live with pennApps Lending Factory for its Commercial Lending and BFS DIRECT Platform

August 21, 2017, Hyderabad – Pennant Technologies, a leading lending platform provider announced that its flagship product pennApps Lending Factory goes live successfully at its first Indian customer, Bajaj Finserv.... Read More
October 20, 2016 in News, Product News, Product PLF

Pennant seals the deal with Bajaj Finserv – Pennant to implement Lending Factory for its Commercial Lending Products and also for BFS DIRECT

October, 2016 Hyderabad – Pennant Technologies, a leading global provider of right-fit software products and suite of end-to-end business driven technology services for the worldwide banking and financial services industry... Read More
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pennApps Lending Factory

Powerful Lending Solution with high degree of flexibility powered by the functional factories and execution engines

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