Loan Management System

Smart.  Scalable.  Compliant.
PhotonMatters’ LMS empowers lenders to manage the entire loan lifecycle — from disbursement to closure — with built-in intelligence, automation, and real-time oversight.
LMS

What Sets It Apart

Business Rules & Decision Engine
Business Rules & Decision Engine

Automate servicing workflows with RAC-based logic for repayments, top-ups, restructuring, and more.

Flexible Product Configuration

Create loan constructs for any product - including fixed, variable, step-up EMIs, bullet payments, and custom fee schedules.

Repayment & NPA Tracking

Drive collections with auto-billing, part-payment handling, and intelligent NPA flagging - powered by rule-based triggers.

Risk-Based Pricing & Grading

Align pricing with customer risk and behavior, dynamically adjusting across the loan term.

Integrated KYC & Bureau Checks

Seamlessly validate identity and creditworthiness with built-in integrations across the lifecycle.

Loan Lifecycle Automation

Manage disbursement, servicing, restructuring, and closure - all from one system with minimal manual effort.

Real-Time Analytics & Dashboards

Monitor portfolio health, risk exposure, and compliance metrics via customizable reports.

General Ledger Integration

Auto-sync loan events with GLs for accurate accounting and full journal-level traceability.

Enterprise-Grade Compliance

With audit trails, encryption, and role-based access, you're ready for any regulator - anywhere.

Business Rules & Decision Engine

Flexible Product Configuration

Repayment & NPA Tracking

Risk-Based Pricing & Grading

Integrated KYC & Bureau Checks

Loan Lifecycle Automation

Real-Time Analytics & Dashboards

General Ledger Integration

Enterprise-Grade Compliance

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Business Rules & Decision Engine
Business Rules & Decision Engine

Automate servicing workflows with RAC-based logic for repayments, top-ups, restructuring, and more.

Flexible Product Configuration
Flexible Product Configuration

Create loan constructs for any product - including fixed, variable, step-up EMIs, bullet payments, and custom fee schedules.

Repayment & NPA Tracking
Repayment & NPA Tracking

Drive collections with auto-billing, part-payment handling, and intelligent NPA flagging - powered by rule-based triggers.

Risk-Based Pricing & Grading
Risk-Based Pricing & Grading

Align pricing with customer risk and behavior, dynamically adjusting across the loan term.

Integrated KYC & Bureau Checks
Integrated KYC & Bureau Checks

Seamlessly validate identity and creditworthiness with built-in integrations across the lifecycle.

Loan Lifecycle Automation
Loan Lifecycle Automation

Manage disbursement, servicing, restructuring, and closure - all from one system with minimal manual effort.

Real-Time Analytics & Dashboards
Real-Time Analytics & Dashboards

Monitor portfolio health, risk exposure, and compliance metrics via customizable reports.

General Ledger Integration
General Ledger Integration

Auto-sync loan events with GLs for accurate accounting and full journal-level traceability.

Enterprise-Grade Compliance
Enterprise-Grade Compliance

With audit trails, encryption, and role-based access, you're ready for any regulator - anywhere.

Engineered to
Scale

Handles 250K+ API requests per hour
Modular, API-first architecture for seamless growth
Deployable on cloud or on-prem in just 8 weeks