Product Overview — 2026
Orbit
Lending OS
The Operating System for Modern NBFC Lending
4
Products in One Platform
The Problem
Lending Operations Weren't Built to Move This Fast
🐌
Manual, Slow Underwriting
- Credit officers read 10-page CIBIL PDFs by hand
- Decisions take hours, not seconds
- Inconsistent calls across agents
🧩
Fragmented Vendor Stack
- KYC, credit bureau, eSign, payments — all separate vendors
- Months spent integrating, negotiating, debugging webhooks
- No single source of truth across systems
📉
Operations Can't Scale With Volume
- Headcount grows linearly with loan volume
- Collections run on spreadsheets, not DPD logic
- Repeat borrowers re-do KYC from scratch
⚠️
Compliance Risk on Every Side
- RBI-grade audit trails bolted on late, if at all
- No standard RBAC, OTP 2FA, or IP controls
- One incident away from a compliance violation
The Solution
One Platform.
A Complete Lending Ecosystem.
🖥️
Loan Management CRM
Internal platform for Sales, Credit, Disbursal & Collection teams — 15+ modules covering every loan stage
Laravel · MySQL · Blade
🌐
Customer Web Portal
Self-service borrower portal — OTP login, KYC, eSign, eNACH, payment, NOC — all without human help
Laravel · Blade · Session Auth
⚙️
REST API Layer
Central API powering the mobile app and web portal — 50+ endpoints, JWT auth, webhook handling
Laravel API · Sanctum · OTP
📱
Flutter Mobile App
Full Android/iOS loan app — 30+ screens, DigiLocker, UPI QR, eSign, push notifications
Flutter · Dart · Firebase FCM
Module 1
Loan Management CRM
— The console your operations team lives in
🎯 Lead Management
- 15 lead stages — Fresh, Callback, Interested, Rejected, DNC, Blacklisted…
- Bulk CSV upload & UTM source tracking
- Call history logs, date filters, lead search
🪪 KYC & Documents
- DigiLocker — Aadhaar / PAN fetch
- Selfie with face-match verification
- Finbox & Digitap bank statement fetch
- Per-document verify / unverify toggle
📊 Credit Underwriting
- CIBIL, Equifax, CRIF bureau checks
- Decision: Approved / Rejected / Hold
- Direct eSign initiation from credit screen
🏦 Disbursal Module
- Penny drop — live bank verification
- DBS Bank IMPS real-time transfer
- ICICI Bank disbursal support
- Dual-level approval workflow
💰 Collection (DPD Buckets)
- DPD: 0–7, 8–30, 31–60, 61–90, 90+ days
- Part pay, settlement, payday payment
- NOC & Settlement Letter generation
- Auto agent allocation & WhatsApp nudges
📈 Reports & Automation
- 12 MIS report types — export CSV/Excel
- Cron: NACH reports, QR mail, SMS, PD allocation
- IP whitelisting, OTP 2FA, RBAC, audit logs
- Simple2Call IVR + incoming call popup
Modules 2 & 4
Customer Journey —
Web Portal & Flutter Mobile App
🌐
Customer Web Portal
Self-service, zero human intervention
1
OTP Login — mobile number auth
2
Employment & personal details form
3
DigiLocker KYC — Aadhaar / PAN
4
Selfie upload with face-match
5
CIBIL check + Finbox bank statement
6
KFS review → Document upload
7
eSign → Penny drop → eNACH mandate
8
Payment page → NOC download
📱
Flutter Mobile App
Android & iOS — 30+ screens
1
OTP login & smart onboarding state detection
2
DigiLocker WebView — biometric KYC
3
Selfie capture & face-match
4
Finbox WebView — bank statement
5
eSign WebView + eNACH WebView
6
UPI QR code repayment screen
7
FCM push notifications (loan approval)
8
In-app chat, NOC download, re-loan
Module 3
REST API Layer
50+ Endpoints · JWT Auth · Central Hub for All Apps
POST/send-otp, /verify-otp
OTP-based mobile login
POST/insert-customer
Create new customer record
POST/get-customer-flow
Determine current onboarding step
POST/lead-employment, /lead-address
Submit employment & address
POST/digilocker/generate-url
Generate DigiLocker KYC URL
GET/digilocker/callback
OAuth callback, save KYC data
POST/selfie-upload-face-match
Upload selfie + face-match API
POST/crif, /ccr-report/Equifaxccr
CIBIL / Equifax credit bureau
POST/finbox/session, /finbox/salary
Bank statement session + salary
POST/upload/documents
KYC document upload
POST/penny-drop/initiate
Live bank account verification
POST/esignlink, /digio-generate-esign
Generate e-sign link
POST/enach
Trigger eNACH mandate setup
POST/generate-upi-qr
Generate UPI QR for repayment
POST/pg/initiate, /payment/callback
Payment gateway + webhook
POST/initiate-reloan, /create-reloan
Re-loan for repeat customers
POST/save-fcm-token, /approve-loan
Push notifications setup
POST/chat/init, /chat/message
In-app live chat system
🔐 Security Architecture
Laravel Sanctum JWT tokens + OTP-based authentication. Every endpoint is authenticated. Per-customer onboarding state management prevents replay attacks.
🔔 Webhook Handling
Handles real-time callbacks from DigiLocker, Digio, Digitap, Easebuzz, eNACH providers — all processed, validated, and stored with proper status updates.
📱 Mobile-First Design
Single API serves both the Flutter mobile app and the web portal. Consistent response format, error codes, and versioned flow logic across all consumers.
⚡ Performance
Efficient DB queries, smart caching, minimal redundant calls — server costs cut by 50% even as transaction volume more than doubled after launch.
Pre-Built, Production-Tested
11+ Fintech Integrations
Every major API in the Indian NBFC stack — already wired in
🆔
DigiLocker
Govt. Aadhaar/PAN KYC via OAuth webview
✍️
Digio
Digital eSign with webhook callbacks
✍️
Digitap
eSign + bank statement extraction
🏦
Finbox
Bank statement analysis & salary assessment
📊
CIBIL / CRIF
TransUnion credit score & full report
📊
Equifax
Alternate credit bureau (CRR)
⚡
DBS Bank IMPS
Real-time fund transfer to borrower
🏛️
ICICI Bank
Alternate disbursal channel
💳
Easebuzz
Payment gateway + webhook callback
📲
WhatsApp API
Payment reminders, re-loan nudges
🔔
Firebase FCM
Push notifications for loan updates
📞
Simple2Call IVR
Auto-dialer + incoming call popup
Module 5 · Add-On Product
BRE Scoring API
AI-powered credit decisioning, under 1 second
POST /run-analysis
curl -X POST \
https://scoring.naman.cloud/run-analysis \
-d '{ "application_id": "1768369",
"coapp1_json": {...CIBIL JSON...} }'
🧠 Reads the Bureau Report For You
Feed in a CIBIL JSON, get back risk segment, repayment score, collection grade, and eligible loan amount — no manual PDF review.
🔌 Standalone or Bundled
Works as a drop-in module inside Orbit Lending OS, or as a standalone API for any LOS, CRM, or mobile app.
💰 Usage-Based Pricing
From ₹1/call on the Starter plan down to ₹0.50/call at Growth volume — no monthly minimums, no lock-in.
🎯 Right-Sizes Every Loan
Returns the exact eligible amount per applicant — not a blanket limit — based on the full credit profile.
Under the Hood
Technologies Powering Orbit
Backend
Laravel (PHP)
PHP 8
Node.js
Python
MySQL
REST API Design
Laravel Sanctum
Cron Jobs
Webhooks
Frontend
React
Blade Templates
HTML5 / CSS3
JavaScript
AJAX / jQuery
Responsive Design
Mobile
Flutter
Dart
WebView
Firebase FCM
State Management
Android & iOS
Security & Auth
JWT / Sanctum
OTP 2FA
RBAC
IP Whitelisting
Audit Logs
Fintech / Domain
eKYC / DigiLocker
eSign / eNACH
CIBIL / Equifax
Bank IMPS
Payment Gateway
Penny Drop
Infrastructure & Tools
Linux Server
Git
Composer
Postman
MySQL Workbench
VS Code
Results
Proven Business Impact
What one NBFC saw after adopting Orbit — in 3 months
2.5×
Disbursal Growth
₹6 Cr → ₹15 Cr/month
▲ in 3 months
50%
Marketing Cost
Reduction
▼ same lead volume
⅓
Team Needed
to hit ₹15 Cr
▼ vs old headcount
85%
Re-loan Customer
Increase
▲ repeat borrowers
50%
Server Cost
Reduction
▼ optimized platform
🚀
2.5× Revenue in 3 Months
Faster automation, smarter funnel — not more people or spend
🤖
Fully Automated Eligibility
CIBIL + income + face-match → instant Approve / Reject — zero manual review
🔒
Zero Security Incidents
IP whitelist, OTP 2FA, JWT, RBAC, audit logs — RBI-audit ready from day one
Why Choose Orbit
What Sets Orbit Apart
1
Full-Stack Coverage, Day One
CRM, customer portal, API, and mobile app ship together and already talk to each other — no integration project required to connect them.
2
Every Layer, Already Solved
From database schema to mobile UI, from API design to vendor onboarding — every layer of the stack is already built, tested, and production-proven.
3
Proven in Production, Not a Pitch Deck
This isn't a roadmap promise. The platform is live, used daily, and delivered 2.5× business growth. Every integration is battle-tested against real edge cases.
4
Deep NBFC Domain Logic
The full lending lifecycle, RBI-compliant KYC flows, credit bureau quirks, DPD collection logic, and NACH mandate rules — built in, not bolted on.
One Line Summary
"Orbit Lending OS — CRM, web portal, REST API & Flutter app, plus the BRE Scoring API —
in one platform that scaled a business from ₹6 Cr to ₹15 Cr/month in 3 months,
with ⅓ the team, half the cost, and 85% more re-loans.
Put your lending operations into orbit."