TWINLINE BUSINESS SOLUTIONS · FINPAGE v7.5INFO@TWINLINE.IN · +91 124 434 6868
LOAN PROGRAM · INDIVIDUAL LENDING

Underwrite every individual
loan with proof.

Rule-engine underwriting, multi-bureau credit pulls, income verification and automated decisioning — built for NBFCs running unsecured, small-ticket business and salaried loans.

Book a demo → See the architecture
BRE · IL-2026-04821 · 1.4s
CIBIL 768FOIR 42.6%GST ₹31.4LSTP
Hard rules passed6 / 6
Soft flags1 · BOUNCES
VerdictAPPROVED · STP
THE RULE ENGINE

Your credit policy,
readable by humans and machines.

Versioned, immutable, backtestable. Below is policy v17 in summary: the version that decisioned application IL-2026-04821 in 1.4 seconds. Your demo walks through a full policy.

POLICY · IL BUSINESS LOAN · v17ACTIVE
Hard gatesBureau score, recent delinquency, FOIR, banking, GST
Soft flagsBanking behaviour: reviewed, not rejected
OfferAmount and rate set by scorecard and risk tier
RoutingStraight-through · credit review · reject
Change controlReviewed, versioned and backtested before promotion
IL-2026-04821 · RAJESH SINGH1.4 s
CIBIL · ≥720768 ✓
FOIR · <50%42.6% ✓
Avg balance · ≥₹25K₹38,420 ✓
GST turnover · ≥₹24L₹31.4L ✓
Bounces · 6m2 · soft flag
VerdictAPPROVED · STP · ₹5,00,000 @ 18.5%
MODULE CAPABILITIES

Built for how this product
actually works.

BUREAU

Four bureaus, parallel

CIBIL, Experian, CRIF and Equifax queried simultaneously — sub-600ms each, deduped against the live book.

INCOME

Every income stream

FinAnalyze bank statement analysis, GST crawler, ITR parsing, salary-slip OCR and Account Aggregator consent flows — feeding one decision.

POLICY

Versioned credit policy

Visual builder or JSON DSL; author → review → approve → promote. Every application preserves the exact version that decisioned it.

TEST

Backtesting & A/B

Backtest a candidate policy against six months of history; A/B rollouts split live traffic with win/loss tracking.

ROUTE

STP / review / reject

Hard gates and soft flags route applications automatically — straight-through approvals in under 2 seconds end to end.

SIGN

Offer & e-sign

Digitally signed sanction letters, Aadhaar e-sign, e-NACH mandate registration and CIC reporting on activation.

THE WORKFLOW

Stage by stage, fully tracked.

01 · SOURCING
DSA, branch walk-in, digital lead capture and referral partner APIs — one pipeline.
02 · KYC
Aadhaar e-KYC, PAN-NSDL match, liveness check and deduplication via FinVerify.
03 · DATA
Parallel bureau pulls plus bank, GST and ITR analysis via FinAnalyze.
04 · DECISION
BRE evaluates eligibility, scorecard and offer — STP, review queue or reject.
05 · DISBURSAL
NEFT/IMPS payout with penny-drop verification, loan activation, CIC reporting, welcome kit.
IN THE FIELD

What lenders see.

<2 s
Decision, end to end
4
Bureaus in parallel
STP
Clean files, zero touch

Launch this program
in weeks.

See the full journey for this product, configured live against your policies.

Book a demo →