Sold by: M2P Fintech
M2P's Loan origination system facilitates customisable loan origination workflows, automated decisioning & pricing, integrate with 3rd party eco-systems, custom form building and event triggered notifications.
Overview
M2P Fintech's Finflux LOS (Loan Origination System) revolutionises the lending origination process, providing a seamless digital experience. Our low-code/no-code platform allows easy construction of loan origination journeys.
Key Features: Workflow Builder: Creates onboarding journeys effortlessly using drag-and-drop workflow builder, covering everything from customer origination to loan disbursement.
Automated Decisioning: Inbuilt Business Rule Engine helps automate credit decisions, risk calculations, and customer profiling.
Pricing Engine: Enables hyper-personalised multi-channel offers based on eligibility and partner risk appetite.
Seamless Integrations: Connect with multiple 3rd party systems, including but not limited to bureau assessments, e-signatures, fraud checks, credit bureaus, KYC systems, API banking and payments.
Smart Form Builder: LOS provides streamlined data collection and enhanced efficiency with our user-friendly Custom Form Builder.
Uninterrupted End-to-End Automation: Benefit from Straight-Through Processing, which minimises manual intervention, leading to faster loan approvals and disbursals.
Notification Framework: Keep borrowers and stakeholders informed throughout the lending process via SMS, Email, and messaging tools.
Highlights
- LOS system can deliver frictionless digital journeys and craft flexible loan origination processes effortlessly with our no-code platform.
- Optimise efficiency through automated decisioning with business rule engine(BRE) and seamless integrate third-party eco-system.
- LOS uses a strong technological foundation built on Spring Boot (Java 17), with the backing of Mysql and Redis. UI is powered by Angular and Flutter for an engaging experience.
Details
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Pricing
Pricing is based on the duration and terms of your contract with the vendor, and additional usage. You pay upfront or in installments according to your contract terms with the vendor. This entitles you to a specified quantity of use for the contract duration. Usage-based pricing is in effect for overages or additional usage not covered in the contract. These charges are applied on top of the contract price. If you choose not to renew or replace your contract before the contract end date, access to your entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/month |
|---|---|---|
Leads logged(Home loans) | One time charge for each lead logged (Home/Mortgage) | $0.01 |
Leads logged(Auto Loans) | One time charge for each lead logged (Auto Loans) | $0.01 |
Leads logged (PL) | One time charge for each lead logged (Unsecured Personal loans) | $0.01 |
Leads logged (BL) | One time charge for each lead logged (Unsecured business loans) | $0.01 |
Leads logged(Secured-PL) | One time charge for each lead logged (Secured personal loans) | $0.01 |
Leads logged(Secured-BL) | One time charge for each lead logged (Secured business loans) | $0.01 |
Dimension | Cost/unit |
|---|---|
upto 5 Integrations - One Time Fee | $15,000.00 |
upto 10 Integrations - One Time Fee | $25,000.00 |
Migration & customisation are charged as per off-site man hour efforts | $40.00 |
Configure 1 workflow journey with unlimited BRE rules - One Time Fee | $7,500.00 |
All Platform configurations (Mandatory) - One Time Fee | $35,000.00 |
Dimensions summary
This contract pricing combines one-time setup charges with per-lead usage fees. You pay one-time fees to configure the platform, which is mandatory, and to set up a workflow journey with unlimited business rule engine rules. Integration setup is a one-time fee, offered in a bundle of up to 5 or up to 10 integrations. Migration and customization are billed by off-site man-hour effort, so they scale with the work required. Separately, you pay a one-time charge for each lead logged, priced individually by loan type: home, auto, personal, business, secured personal, and secured business loans.
Top-of-mind questions for buyers
A lead is a single loan application captured through the platform's onboarding journey, from branch, assisted, digital, partner, or embedded channels. You pay a one-time charge for each lead. The charge differs by loan type, so a home loan lead and an auto loan lead carry separate per-lead prices.
Setup fees are fixed one-time charges for platform configuration, workflow setup, and integrations. They apply once regardless of volume. Per-lead charges are variable and accrue each time you log a loan application. Setup costs are known upfront; per-lead costs grow with your application volume.
Migration and customization are billed by off-site man-hour effort, not a fixed fee. Cost scales with the work required. Structured migration uses automated scripts, ETL validations, and multi-run reconciliation, so more complex data moves and custom builds require more hours and higher charges.
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