Cloud lending OS and digital loan origination API platform review
Lentra is a robust cloud-native lending platform that digitizes the entire loan lifecycle for retail and commercial lending. It connects seamlessly with credit bureaus, identity databases, and bank portals, allowing digital loan origination, automated underwriting, and collection management with extreme scalability.
Lentra provides the digital engine for traditional banks and modern fintech NBFCs. It hosts a suite of APIs that handle customer KYC, credit scoring, income analysis, and collateral verification. By running on a modular architecture, lenders can design custom credit policies that run in real-time, moving loan approvals from days to seconds while maintaining bank-grade security protocols.
Create customizable onboarding screens and customer details forms for quick loan origination.
Define automated credit check rules (BRE) based on salary, credit history, and asset data.
Pre-built API links to CIBIL, Experian, Equifax, CRIF, and major net banking portals.
Integrate e-Sign (Aadhaar OTP) and e-NACH mandate setup for automatic loan disbursal.
Pricing is indicative and may vary based on team size, contract length, and regional taxation.
| Plan Tier | Price | Core Features Included |
|---|---|---|
| Retail Loan Processing | ₹15 - ₹25 / application | Includes identity verification checks, basic bureau score pull, and automated credit rule evaluation. |
| Business Loan Processing | ₹30 - ₹50 / application | Includes GST data fetching, business proof verification, bank statement parsing, and risk assessment. |
| Custom Integration Setup | Enterprise Quote | Dedicated database instance setup, custom rule configuration, and premium SLA support. |
Lentra charges on a per-application-processed basis, typically ranging from ₹15 for retail loans to ₹50 for complex business loans. Commercial volume discounts apply for banks handling over 100,000 applications monthly. Integration fees apply for custom bank system hookups. 18% GST is applicable on all software services.
Lentra operates a high-throughput microservices SaaS platform tailored for Indian banking and NBFC loan origination systems (LOS). It integrates directly with India's Digital Public Infrastructure (DPI)—including Aadhaar eKYC via UIDAI, DigiLocker, CIBIL/Experian credit bureaus, and Account Aggregator networks (AA)—to execute real-time underwriting rules. Its decisioning engine evaluates borrower risk, income parameters, and GST returns in under 30 seconds while adhering to RBI digital lending guidelines and DPDP data residency standards.
### Integration Playbook: Bureau Pull & Auto-Score Flow Trigger Lentra's Business Rule Engine (BRE) immediately after the customer verifies their PAN details to calculate the initial credit eligibility limit: ```python # Triggering Lentra Underwriting Rule API import requests def check_loan_eligibility(applicant_data): url = "https://api.lentra.ai/v2/underwrite" headers = {"Authorization": "Bearer " + get_auth_token(), "Content-Type": "application/json"} response = requests.post(url, json=applicant_data, headers=headers) result = response.json() if result.get("status") == "APPROVED": return result.get("credit_limit") return 0 ``` To minimize credit bureau query charges, cache bureau pull records for 30 days before requesting a new pull.
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