Loan origination, customer onboarding, collections, and reporting software with approval rules and audit trails your finance and risk teams can rely on.
Nicco Web Solutions provides financial software development for non-banking finance companies (NBFCs), lenders, microfinance teams, insurance and investment advisers, and in-house finance departments. We build loan origination and servicing systems, collection tools, customer onboarding flows, and reporting dashboards, with approval rules and audit trails designed in from the first screen.
We do not have a ready-made lending or accounting product. Our CRM, SalesCore, can run the lead and deal pipeline for loan, insurance, or advisory sales teams; loan management, collections, ledgers, and integrations are custom builds designed with your credit, operations, and compliance staff.
Our engineering team works from Tamil Nadu, India, and delivers remotely to financial businesses in India and other countries. We schedule working-hour overlap for teams in other time zones; India Standard Time is UTC+5:30.
Documents arrive by email and WhatsApp and are checked by hand, so an application’s status is known only to whoever last touched it.
Credit checks and approval limits live in people’s heads or spreadsheets, so decisions vary and are hard to explain later.
Schedules, part-payments, foreclosures, and charges are calculated manually, and errors surface only when a customer disputes them.
Field collectors work from printed lists, and receipts, promises to pay, and visit outcomes reach the office a day or more later.
Bank statements, gateway settlements, and loan ledgers are matched by hand, and differences take days to trace.
Shared logins and editable spreadsheets make it hard to show who changed a rate, waived a charge, or approved a disbursal.
Digital or assisted applications, document upload, eligibility rules you define, credit bureau or bank-statement analysis through licensed providers you have access to, and multi-level approval by amount or product.
Customer profiles with KYC document capture, verification through providers you are licensed or contracted to use, consent records, and re-KYC reminders, so details are verified once and reused across products.
Disbursal records, repayment schedules for the interest methods you specify, part-payments, foreclosure quotes, charges, and statements, with e-mandate or payment-link collection through licensed gateways such as Razorpay where you have the setup in place.
Overdue buckets, call and visit queues, promise-to-pay tracking, and a Flutter app for field collectors that records visits, location, and receipts, with every action logged against the account.
Loan-level and general ledger entries posted from each transaction, imports of bank statements and gateway settlement reports, matching rules, and exception lists, with exports to the accounting software you already use.
Disbursals, outstanding portfolio, overdue ageing, collection performance, and branch or product views in dashboards built with our Data & AI team, plus the report formats your board or lenders ask for.
Rule-based, repetitive steps are the right candidates. Credit decisions, waivers, and exceptions stay with authorised people; the software prepares the information and records what they decide.
Missing documents are flagged on the application, and the customer is reminded automatically until the file is complete.
Payment reminders with a payment link before each due date, and policy or deposit renewal reminders for advisory teams.
Bank and gateway receipts are matched to loan accounts by reference, and only unmatched items are sent for manual review.
Overdue accounts sorted into call and field queues each morning by bucket, amount, and location.
Daily and month-end reports compiled and sent to management on schedule, replacing manual spreadsheet work.
Loan origination, sanction, disbursal, EMI servicing, and collections for personal, business, or vehicle loans.
Group and centre management, meeting schedules, a field collection app, and branch-wise portfolio reports.
Pledge records, valuation entry, interest calculation, renewals, notices, and packet tracking by branch.
Client records, policy or portfolio details, renewal reminders, and a sales pipeline that SalesCore can cover.
Approval workflows for expenses and vendor payments, budget tracking, and reports drawn from your accounting software.
Allocation of overdue accounts, call and field queues, receipts, and performance reports for in-house recovery teams.
Covers lead scoring, a deal pipeline, quotations, click-to-call, and tickets — useful for loan, insurance, or advisory sales teams. It does not manage loans, collections, or ledgers; those are custom builds.
Open SalesCore on our products page, try the modules your team would use, and note what is missing. We then confirm what configuration covers and what would need custom work — before you commit to anything.
Try SalesCoreLoan origination, servicing, collections, and ledger modules with approval rules built in.
Explore Software DevelopmentField collection and customer apps for Android and iOS from one Flutter codebase.
Explore App DevelopmentPortfolio, overdue, and collection dashboards built on your own loan data.
Explore Data & AI SolutionsHosting in the region you choose, with backups, monitoring, and access hardening.
Explore Cloud & IT SolutionsOur client work on our portfolio is mainly websites, branding, SEO, and social media for local businesses, not financial software. Our engineering is best judged through our own SaaS products, such as SalesCore, which you can try before committing.
React
Next.js
TypeScript
Node.js
Laravel
Python
Flutter
PostgreSQL
Redis
Razorpay
AWS
DockerFinancial data and compliance: we build with role-based access, maker-checker approvals, audit logs, encrypted connections, and backups. Payments run through licensed gateways such as Razorpay, and card data is not stored in your system unless that is explicitly scoped. Regulatory requirements — RBI guidelines, KYC/AML rules, India’s DPDP Act, or GDPR — are reviewed with your compliance team and agreed in the contract. We do not hold or claim PCI DSS, SOC 2, ISO, or other certifications.
Tell us how an application, a repayment, or a month-end close works in your team today. We will propose a phased scope with the controls your compliance team needs.
