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Connected architecture

Four layers. One lending infrastructure.

Connect customer channels, configurable orchestration, lending operations and shared infrastructure without creating another disconnected system.

01

Channels

Every borrower, partner and operations entry point.

Borrower AppWeb JourneyLSPDSAInternal Operations
02

Orchestration

Configuration and decision controls across the journey.

WorkflowEligibilityRule EngineProduct ConfigurationLender Routing
03

Lending Operations

The operating lifecycle from origination to recovery.

OriginationUnderwritingDisbursementRepaymentCollections
04

Infrastructure

Shared verification, data and transaction services.

KYC / KYBBureauBank AnalysisPaymentsMandatesAPIs
Shared control layerXcelet Lending Platform

Adopt the complete stack or connect only the modules your infrastructure needs.

Platform modules

Run every stage on connected operating modules.

Use a common application context across the customer journey, credit operations, servicing and portfolio workflows.

01

Origination

Structure loan enquiries, applications and sourcing across direct and partner channels.

02

Customer Journey

Configure connected borrower steps for data capture, consent, verification and submission.

03

Loan Processing

Coordinate documents, queues, tasks, checks and application movement across teams.

04

Decisioning

Apply eligibility, credit policy, pricing and routing through configurable rules.

05

Partner Management

Maintain visibility across LSP, DSA and connector relationships and sourced business.

06

Disbursement

Track sanctions, conditions, loan booking and configured payout workflows.

07

Servicing

Manage schedules, repayment status, borrower requests and account activity.

08

Collections

Organise overdue cases, collection queues, follow-ups and resolution states.

09

Reporting

Monitor the operational funnel, portfolio movement and team-level activity.

Configurability

Your lending model shouldn't be forced into rigid software.

Configure the building blocks around your products, policies and operating teams while keeping changes governed and visible.

Configuration studioLoan products
Draft configuration
Selected configurationLoan products

Define the operating structure for each lending product and channel.

Product familyBusiness Loan
Amount rangeConfigured limits
Tenure optionsProduct terms
Version history Controlled publishing
Modular adoption

Start with the full platform. Or only the layer you need.

Use Xcelet as the core lending platform or connect selected engines to the infrastructure you already operate.

Complete platform

One operating core for the lending lifecycle.

Connect journeys, decisions, operations, partners, servicing and collections on one modular foundation.

  • Shared application context
  • Configurable workflow control
  • Connected operational visibility
Discuss the full platform

KYC & KYB Suite

Modular engine

Connect identity and business verification into the lending journey.

  • Individual verification
  • Business verification
Explore module