Orbit Lending OS unifies your loan CRM, customer-facing portal, REST API, and mobile app into a single, automated platform — so your team can launch, underwrite, disburse, and collect without stitching together a dozen vendors.
Here's what happened when one NBFC moved its entire lending operation onto Orbit.
Every layer of your lending stack — already built, already talking to each other.
Real walkthroughs of the customer web portal and mobile app, end to end.
The console your operations team lives in — every stage of the loan lifecycle, one screen.
Manages the end-to-end loan lifecycle — from lead entry to final collection and debt recovery. Used daily by Sales, Credit, Sanction, Disbursal, Collection, Support, and Management teams, with role-based access, audit logs, and export on every module.
The self-service surface where borrowers complete their entire application — no human intervention required.
A secure, step-by-step web app where applicants complete the entire onboarding journey — personal details, KYC, document upload, digital agreement signing, and eNACH setup — backed by session-based auth and smart onboarding state management that always resumes where the customer left off.
The central nervous system powering the mobile app and web portal — 50+ endpoints, JWT-secured.
A dedicated API layer serving both the Flutter mobile app and the customer web portal. Every third-party integration — KYC, credit bureau, eSign, disbursal, payments — routes through this single API, secured with Sanctum JWT tokens, OTP-based authentication, and per-customer onboarding state.
| Endpoint | Method | Purpose |
|---|---|---|
| /send-otp, /verify-otp, /resend-otp | POST | OTP-based mobile login — entry point for all customers |
| /insert-customer | POST | Create new customer record after first login |
| /get-customer, /get-customer-flow | POST | Fetch customer data + determine current onboarding step |
| /lead-emplyment, /lead-address, /lead-reference | POST | Submit employment, address, and reference details |
| /digilocker/generate-digilocker_url | POST | Generate DigiLocker URL for biometric KYC via Aadhaar |
| /digilocker/callback | GET | Handle DigiLocker OAuth callback, save KYC data |
| /selfie-upload, /selfie-upload-face-match | POST | Upload selfie and run face-match against Aadhaar photo |
| /face-verify, /update/face-score | POST | Biometric face verify and update face score |
| /crif | POST | CRIF/CIBIL credit bureau check |
| /ccr-report/Equifaxccr | POST | Equifax CRR credit report |
| /finbox/session, /finbox/salary | POST | Finbox bank statement session + salary data fetch |
| /digitap/bank-data/generate-url, /retrievereport | POST | Digitap bank data URL generation and report retrieval |
| /upload/documents | POST | Upload KYC documents (Aadhaar, PAN, salary slip, etc.) |
| /get-kfs | POST | Fetch Key Fact Statement (KFS) for loan agreement |
| /save-account | POST | Save bank account details for disbursal |
| /penny-drop/initiate | POST | Penny drop — verify bank account is live before disbursal |
| /enach | POST | Trigger eNACH mandate setup for auto-repayment |
| /esignlink, /digio-generate-esign | POST | Generate e-sign link via Digitap or Digio |
| /digitap/generate-esign, /digitap/esign-status-update | POST | Digitap e-sign session + status update webhook |
| /generate-upi-qr | POST | Generate UPI QR code for loan repayment |
| /pg/initiate, /payment/callback | POST | Initiate payment gateway + handle payment callback |
| /easebuzz/create-payment-link, /callback | POST | Easebuzz payment link creation + webhook handling |
| /loan-details, /noc, /get-noc, /settlement-letter | POST | Loan repayment details, NOC, and settlement letter fetch |
| /initiate-reloan, /create-reloan | POST | Reloan initiation and creation for repeat customers |
| /save-fcm-token, /approve-loan/{customerId} | POST | Save FCM token for push notifications + loan approval alert |
| /chat/init, /chat/message, /chat/close | POST | In-app live chat — init session, send message, close ticket |
| /customer-grievance | POST | Customer grievance submission |
| /dbs/health, /dbs/test-imps | GET POST | DBS Bank health check and IMPS disbursal test |
Customer-facing Android/iOS app — full loan onboarding, repayment, and account management on mobile.
Mirrors the web portal experience on mobile. Customers can apply for a loan, complete KYC via DigiLocker webview, upload documents, check CIBIL score, connect a bank account, sign the loan agreement, repay via UPI QR or payment gateway, view loan history, download NOC, and chat with support — all from their phone.
Every major API in the Indian NBFC stack — already integrated, already battle-tested.
Four things that make Orbit different from stitching together point solutions.
CRM, customer portal, API, and mobile app ship together and already talk to each other — no integration project required to connect them.
A built-in eligibility engine evaluates CIBIL, income, employment type, bank statement quality, and face-match score to make instant approve/reject/hold decisions.
RBAC, OTP 2FA, IP whitelisting, JWT auth, and full audit trails come standard — built to be RBI-audit-ready, not bolted on later.
DPD-based collections, eNACH, eSign, DigiLocker eKYC, and credit bureau checks are native — not generic CRM fields repurposed for lending.
See Orbit running against your own loan workflows — book a walkthrough with our team.