Create your digital lending solutions with theecode .

Our Embedded Lending Framework (ELF) is a Vertical SaaS solution designed to meet the specific needs of Lenders, Banks and Fintech Startups.

ELF utilizes built-in libraries to integrate with various third-party applications, allowing for a faster time-to-market for our customers.

Our Products

Loan Origination System (LOS)

Our Loan Organization System (LOS) is extremely efficient and easy to use, providing a seamless experience for Digital borrowers and Dealers.As a financial institution or service provider, using our LOS sets you apart from the competition. Our LOS improves efficiency, simplifies processes, and speeds up response times throughout the loan origination cycle, including loan applications, underwriting, decisions, and loan funding. We don't just provide a basic solution, but we offer a customizable LOS tailored to your specific needs. Your institution is unique, and with our various customization options, you can explore new possibilities in Digital Lending world. 

  • Key features:
  • Easy user onboarding interface
  • Seamless EKYC and document submission process
  • 24/7 accessibility
  • Third-party data integration
  • Built-in verification and credit scoring
  • Centralised access for lenders
  • Real-Time Data Analytics and Reporting

Our Products

Decision Engine (AI)

Our AI-powered Decision Engine, which is a rules-driven automation platform, utilizes vertical specific algorithms and rules defined by the lender to make decisions based on the borrower's criteria. It streamlines the decision-making process and can be tailored to fit the unique needs of the business. The engine analyzes data from various sources such as credit bureau reports, bank statements, expense reports, SMS data, accounting software, credit scores, identity verification, and income data, to ensure accurate and conclusive approvals or denials. The system also incorporates a human element to further enhance the decision-making process and gives complete control over the standards that must be met for approvals. This enables us to efficiently and quickly complete the hours-long process of verification and eligibility in a fraction of a minute.

  • Key features:
  • Scalability to handle data from multiple system.
  • Grading system with High Accuracy
  • Maintaining statistical credit score records
  • Data preparation and engineering
  • AI-powered decision making

Our Products

Loan Management System (LMS)

Our Loan Management System (LMS) offers a user-friendly interface for lenders to manage complete loan life cycle i.e, origination, serving the borrowers and ensures timely collection as per repayment schedule. The system is designed for efficiency, with a focus on error-free operation and robust security of data & documents. Additionally, our LMS is highly customizable to meet specific business needs. Our LMS offers centralized access with multiple communication channels like email, SMS, WhatsApp etc, and an admin dashboard as well as role centric dashboard for various roles within the organization. Our Loan Management System (LMS) provides comprehensive reports Track loan applications, re-verify credit worthiness of borrower, loan disbursement, processing fees and interest rates, collaterals (in case of auto loan GPS is used) and repayment calendar. These reports can be generated for individual borrowers and dealers, and evaluate the performance of the merchant and product offered.The system's reporting feature allows for easy visualization and understanding of the direction of the business.

  • Key features:
  • Loan Origination and Loan Servicing Interface
  • A coherent debt-collecting process with multiple options ( Cards/ Cheques/ Cash/ E-Wallet/ ACH)
  • Articulated statistics and reports for each borrower
  • Flexible and customisable
  • Centralised access and highly secure
  • Multiple communication channels

We have successfully delivered multiple products for our International Clients
Each Approval
E-Commerce Sites
Satisfied Customers

Our Technology Services


During a discovery phase workshop, the client and Theecode work together to assess the company's capabilities, maturity, and expertise, and to understand the client's goals, roadmap, and expectations.

The workshop typically lasts for 5-10 days and is used to validate the business idea and determine the next steps.

Timeline 2 weeks
UI/UX design
Experience Maps
Rapid Prototypes
API Documentation

Our Technology Services

Working Concept

The Working Concept Phase is a stage in product development where we help the customer to visualize their idea by creating a Rapid prototype with our Customizable Lending Framework. This allows the customer to quickly see and interact with a working version of their vision and to identify any features or use cases that may need further development or refinement.

The goal of this phase is to create a functional prototype of the customer's idea, which can be used to validate the concept and gather feedback from stakeholders before moving on to the final development stage.

Timeline 3 weeks

Our Technology Services

Product Implementation

During the Product Implementation phase, Theecode builds for Customers with our Plug and Play Framework the integrations required for the final implementation. Integrations includes Credit bureau of your choice like Transunion, Equifax and Experion, Identity Providers like Instnt,Ideology,Argyle,Middesk,Metamap etc., Open Banking Providers like Plaid,Flinks,Unit etc., Accounting softwares like Codat, Quickbooks, Payment Providers like Repay,loanpaymentpro,Cliq and A2A Payments like Modern Treasury.

Finally, in the delivery phase, we hand over the completed application to the customer within the Cloud of their choice with both OnPrem or Cloud Database, providing ongoing support and maintenance as needed.

Timeline 6 to 8 Weeks



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