Zoho for LOS

AI powered loan origination journey for the lending lifecycle

Manage applications, verification, decisioning, approvals, documentation, and disbursement through one configurable platform with intelligent automation, agentic workflows, and AI-powered capabilities built into the lending experience.

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Zoho LOS background check summary screen showing an applicant profile, risk score, risk breakdown, case and FIR records, and an applicant details table.

Move every loan through a connected journey

Give sales, credit, operations, and field teams a shared application journey with every stage, action, and decision in context.

  • Request

    Start every application with the right information

    Accept loan requests through web, mobile, portals, branches, agents, partners, referrals, and external channels, with intelligent intake helping teams capture and organize application information.

  • Verify

    Complete borrower checks before the application moves ahead

    Collect and evaluate KYC, bureau, financial, employment, banking, identity, and field-verification information, with AI-powered document intelligence helping extract, compare, and prepare information for review.

  • Decide

    Apply lending policies as the application is assessed

    Use the built-in BRE to evaluate eligibility, FOIR, scoring, product, and policy rules, while AI surfaces relevant application context to support credit teams.

  • Deviate

    Route exceptions through defined controls and approval paths

    Handle deviations, queries, relooks, overrides, and send-backs within the workflow, with agentic assistance coordinating actions and handoffs across the right teams.

  • Approve

    Move decisions through the right levels of authority

    Configure multi-level approvals across sales, credit, operations, and other stakeholders, with every action, decision, and approval remaining visible within the process.

  • Sanction

    Complete the requirements that follow an approved decision

    Coordinate sanction letters, documents, e-signatures, insurance, eNACH, and other post-sanction activities, with intelligent workflows helping teams move routine tasks forward.

  • Disburse

    Take approved loans through the final operational steps

    Process payment schedules, beneficiary details, part disbursements, and downstream handoffs to LMS and core banking, with agents coordinating post-sanction actions across connected systems.

Purpose-built modules for every stage of lending

From borrower onboarding to disbursement, Zoho LOS brings the functions behind origination into one configurable system, with intelligent automation embedded where it adds value.

  • Borrower management

    Manage the people and entities involved across the application lifecycle.

    • Applicant, co-applicant, and guarantor management
    • Individual and entity borrowers
    • Borrower demographics and historical information
    • KYC and identity details
    • Employment and bank details
    • Customer 360 across the lending journey
    Background check summary for a borrower, with risk score, cases, FIR and PEP status, and an applicant details table.

  • Loan application management

    Give sales, credit, and operations teams a common application record with AI-assisted workflows supporting information processing and task coordination.

    • Loan request and application capture
    • Quick eligibility
    • QDE and DDE
    • Application packaging
    • Recommendations
    • Scoring details
    • Queries and feedback
    • Reject, relook, and reprocess workflows
    • Application and task tracking
    • Agentic coordination across lending activities
    Loan application details screen listing application date, loan and facility type, branch, requested amount, and applicant, co-applicant and guarantor records.

  • KYC, AML, and due diligence

    Manage identity, eligibility, and risk checks within the application, with AI-powered document intelligence reducing manual effort across verification processes.

    • KYC and identity verification
    • Credit bureau checks
    • VKYC and liveliness checks
    • Red-flag review
    • Income and financial verification
    • Applicant and address verification
    • Field investigation
    • Due-diligence activities
    • Information extraction, face match, name match, and masking
    KYC validation screens covering PAN validation, name match against PAN and POA, address validation, photo validation, and ownership checks.

  • Underwriting and risk assessment

    Give credit teams the information and activities needed to evaluate an application with AI and agentic assistance helping credit teams review applications and surface relevant context.

    • Credit evaluation
    • Risk and scoring information
    • Field investigation
    • Personal discussion
    • Red-flag review
    • Asset assessment
    • Legal verification
    • Seller and dealer assessment
    • Agent-assisted application scrutiny
    Underwriting view with requested versus sanctioned loan amounts, CIBIL score, risk segment, and commercial credit rank.

  • Approvals and deviation management

    Move exceptions through structured workflows without losing visibility with intelligent coordination helping route cases, actions, and responses between stakeholders.

    • Multi-level approvals
    • Approval hierarchies
    • Sales and credit deviations
    • Overrides
    • Send-back and query
    • Skip and claim actions
    • Reject and relook
    • Approval tracking
    • Agent-assisted task routing
    Sales deviations screen listing deviation type, existing value, proposed value, comments, and approve or reject actions.

  • Document management and e-sign

    Handle document-heavy processes without losing the context of the loan with AI extracting useful information from documents and helping teams work through document-intensive tasks.

    • Required document checklists
    • Document collection
    • Application packaging
    • Sanction letters
    • Legal and collateral documents
    • Document generation
    • E-signatures
    • AI-powered document extraction and processing
    E-sign screen showing agreement signing mode, e-sign status, delivery method, and a document details table.

  • Operations and disbursement management

    Keep operational activities part of the same loan workflow with agentic workflows coordinating actions across post-sanction processes and connected systems.

    • BOPS and CPU activities
    • Insurance handling
    • eNACH
    • Payment schedules
    • Part disbursements
    • Beneficiary and seller details
    • LMS handoff
    • Core banking integration
    • Agent-assisted downstream coordination
    Repayment schedule screen with application and sanction details alongside a table of interest, principal, balance and EMI amounts by instalment.
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Put lending policies directly into the decisioning process

  • Built-in BRE

    Bring configurable lending policies directly into the workflow for governed, consistent decisioning.

  • Define your policies

    Configure the rules that govern eligibility, credit, scoring, and deviations.

  • Evaluate every application

    Run configured rules against application data as each loan moves through the process.

  • Drive the next action

    Let rule outcomes trigger the appropriate decision, workflow, or approval.

  • Keep exceptions controlled

    Route deviations and overrides through defined approval paths with complete visibility and control.

Bring more intelligence to every loan application

Use AI across lending workflows to work with application, customer, and document data, while agents coordinate tasks across the lending lifecycle.

  • A loan application document with one field highlighted and surfaced under a magnifier.

    Find relevant information faster

    Surface useful context from customer, borrower, application, and document information.

  • A review queue of application rows with status labels and a pointer working through them.

    Work with application data more efficiently

    Extract, verify, match, and process information with AI-powered document intelligence.

  • An assist panel and a locked business rules engine panel kept apart by a dashed divider.

    Coordinate work across lending functions

    Use agents across documentation, verification, underwriting, disbursement, and support, with the built-in BRE governing defined lending rules.

Connect the ecosystem behind every loan

Bring the data sources, fintech services, and downstream systems used across origination into the same lending journey.

  • Bureau Verification

    Credit Reports

  • KYC and Identity

    eKYC, VKYC, ID & Address Verification, Background Verification, OCR - Validation

  • e-Sign and Documents

    e-Sign, e-Mandate, e-NACH, DigiLocker

  • Income and Financial Analysis

    Financial, Bank, GST and ITR Statement Analysis

Extend your workflows with Zoho

Connect with

  • Zoho CRM
  • Zoho Sign
  • Zoho Analytics
  • Zoho Meeting
  • Zoho Voice

Lending platform built for control, flexibility, and scale

  • Purpose-built lending capabilities

    Dedicated modules across borrowers, products, applications, underwriting, collateral, approvals, documents, and disbursement, with AI and automation working within the lending workflows.

  • Decisioning built into the platform

    The built-in BRE keeps eligibility, scoring, product policies, and deviation logic close to the application, providing a governed foundation for intelligent and agentic workflows.

  • Configuration without rebuilding the experience

    Adapt products, workflows, roles, approval hierarchies, and business rules as your lending operation evolves, while AI and agents work within the processes you define.

  • A unified architecture for the lending ecosystem

    Connect lending data, Zoho applications, fintech services, and downstream systems through a common architecture, creating the context AI and agents need to work across the lending journey.

  • Governance within the workflow

    Keep rules, approvals, user controls, deviations, and audit trails part of how applications are processed, so intelligent automation operates within defined business and regulatory controls.

  • Intelligence across the Zoho platform

    Extend LOS with CRM, analytics, automation, GenAI, agents, MCP, and unified data capabilities across the wider Zoho ecosystem.

See every stage of lending in action

Explore how Zoho LOS brings purpose-built lending, built-in decisioning, AI-powered intelligence, agentic workflows, and connected data into one configurable platform.

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FAQs

What is Zoho LOS?

Zoho LOS is a configurable loan origination system designed to manage the lending journey from loan request through verification, underwriting, decisioning, approvals, sanction, and disbursement, with AI and intelligent automation across the workflow.

What types of loans can Zoho LOS support?

The platform supports unsecured and asset-backed lending models, including personal, business, professional, vehicle, home, gold, and other secured loans, with configurable product-specific workflows.

Does Zoho LOS include a built-in rules engine?

Yes. The built-in BRE provides a rules layer for configuring and executing lending policies such as eligibility, FOIR, scoring, product rules, field investigation, and deviations.

How is AI used within Zoho LOS?

AI capabilities support document intelligence, information processing, verification, application review, and other lending activities, including extraction, face liveness, face matching, name matching, masking, and audio transcription.

Does Zoho LOS support agentic workflows?

Yes. The agentic architecture can coordinate specialist agents across documentation, verification, field investigation, underwriting, disbursement, and support through a common orchestration layer.

How does AI work alongside the built-in BRE?

The built-in BRE provides the structured rules and policy layer for lending decisions, while AI and agents support information-heavy and operational activities around those decisions.

Can lending policies be changed without rebuilding the application?

The platform supports configuration across products, attributes, workflows, approval hierarchies, roles, organizational structures, and business rules, allowing lending processes to adapt as requirements change.

Can Zoho LOS integrate with credit bureaus and fintech services?

Yes. The integration architecture supports credit bureaus, KYC and identity services, financial analysis, e-signature, insurance, LMS, core banking, and other external systems.

How do unified data and MCP fit into Zoho LOS?

Unified data provides consistent business context for AI and agents, while MCP enables configured AI capabilities to work with connected tools and services across applications.

Does Zoho LOS support secured lending?

Yes. Secured lending workflows can include collateral and asset details, valuation, inspection, legal verification, seller or dealer information, authority details, and asset-specific requirements.

Can Zoho LOS support different roles and approval levels?

Yes. The platform supports role-based access, organizational hierarchies, multi-level approvals, deviations, queries, overrides, send-backs, and other controlled workflow actions.

Can Zoho LOS connect with other Zoho applications?

Yes. The LOS architecture includes Zoho applications such as Zoho CRM, Zoho Sign, and Zoho Voice alongside external BFSI systems and services.

Can Zoho LOS be configured for different organizational structures?

Yes. Organizations can configure companies, units, branches, regions, users, roles, profiles, groups, territories, products, partners, and other business structures.