LOS

    LOS is the digital command center for business lending. Managing the entire loan lifecycle from acquisition to closure, CARMA brings together fragmented data, scattered workflows, and long underwriting cycles into one intelligent ecosystem that transforms complex business lending into a fully automated, always-compliant decision engine.

    Everything You Need to Succeed

    Powerful features designed to transform your business operations

    Prescreen Engine filters millions of leads in minutes, removing duplicates and irrelevant cases — boosting conversions by 25%

    Deep integrations with Credit Bureaus, CKYC, NSDL, GST, and Account Aggregator framework — cutting credit TAT by 60%

    GST intelligence with 2,200+ automated checks analyzing sales trends, buyer-supplier relationships, and hidden related parties

    AI-powered bank statement parsing for cashflows, liquidity stress, bounce patterns, and vendor concentration — no spreadsheets needed

    AI CAD Agent identifies documents instantly, maps to checklist, flags missing/expired files — enabling disbursals in under 2 minutes

    Smart Collections detects 1-day delays, auto-assigns at 30 DPD, sends automated nudges — reducing follow-up effort by 35%

    Risk Intelligence Layer tracks Early Warning Signals and covenant compliance, auto-blocking limit enhancements on breach

    Frequently Asked Questions

    Get answers to common questions about LOS

    CARMA's Prescreen Engine filters millions of leads in minutes, removing duplicates, incomplete profiles, and irrelevant cases so your RM never wastes another call. It automatically identifies associated and peer entities within your ecosystem, transforming conversations and improving confidence. This intelligent context directly boosts conversions by 25% by uncovering entities hiding in plain sight.
    Instead of approvals happening over email or WhatsApp, CARMA creates a unified, fully auditable workflow. Every comment, approval, document, and decision is recorded. Workflows can be configured in minutes based on DOP matrices or multi-level sequential and parallel approvals. It's the fastest way to move from scattered decisions to institutional-grade governance.
    CARMA combines deep integrations with Credit Bureaus, CKYC, NSDL, GST, and Account Aggregator to pull every critical data point instantly. GST data becomes a live financial statement with 2,200+ automated checks. Bureau reports transform into a 360° view of exposure and early stress. AI parses bank statements to extract cashflow intelligence in seconds. A global eligibility filter auto-rejects non-qualified cases, while the proprietary Stride Rating Model consolidates all data into a transparent borrower scorecard — cutting credit TAT by 60%.
    CARMA's AI CAD Agent reads and identifies documents the moment they're uploaded, maps them to the correct CAD checklist, and flags missing, expired, or mismatched files instantly. What traditionally delays disbursals now takes seconds. With everything validated and completed, disbursal happens in under two minutes, and each stakeholder — sales, credit, operations — gets a clear dashboard view of next steps.
    CARMA's Smart Collections detects even a 1-day delay and instantly alerts the RM. At 30 DPD it auto-assigns to collections, while borrowers receive timely nudges through WhatsApp, SMS, and email — reducing follow-up effort by over 35%. CARMA's AI Calling capability enables thousands of automated, human-like calls for both sales and collections, ensuring consistency across every customer conversation.
    CARMA's Risk Intelligence Layer ensures that credit monitoring never stops. It continuously tracks Early Warning Signals — missed GST filings, bureau changes, repayment behaviour — and enforces covenant compliance automatically. If a covenant is breached, CARMA not only flags it but can instantly block limit enhancements or new disbursals to prevent exposure. Every operational, financial, behavioural, GST, bureau, and collections signal flows into one intelligent data lake, turning your credit policy into a fully automated, always-compliant decision engine.