Fintech Custom Software Development for Lenders and Finance Firms
Back-office and product software for finance firms whose workflows, approvals and reports do not fit a standard package.
This page covers fintech custom software development: loan management systems, collection tracking, internal ledgers, reconciliation engines, partner dashboards and compliance reporting tools. It is software for your own process, usually used by staff and partners more than by the public. We write the process back to you in plain words before any code is started.
Finance firms often outgrow spreadsheets before they outgrow packaged tools, and then find the packages assume a different process. Our work starts by drawing your actual flow of money, approvals and exceptions, then deciding what to build and what to keep as is. Confirm regulatory requirements with your own adviser; this page is not legal advice.
What finance back offices need from custom software
Rules that match your product
Interest methods, repayment schedules, penalty rules and commission splits differ per product. Hard-coding them wrongly means wrong statements.
Maker-checker approvals
Sensitive actions need one person to prepare and another to approve, with both recorded. We also keep a record of limits, such as maximum waiver amounts, per role.
Reconciliation with banks and gateways
Daily settlement files, UPI references and bank statements have to match ledger entries. Exceptions go into a queue instead of silently disappearing.
Audit and reporting
Auditors ask who changed a rate, who approved a waiver and when. The system must answer without a hunt through emails.
What we build for fintech operations
Loan and repayment engine
Schedules, part-payments, foreclosure and overdue tracking according to rules you give us. Your adviser reviews the calculation logic before go-live. We test every rule with worked examples before it touches live data.
Collections workflow
Assigned lists for field and call teams, promise-to-pay notes, WhatsApp reminder templates and outcome reports.
Partner and agent portal
Referrers, DSAs or merchants see their leads, status and payout statements. Access is limited to their own records. A partner never sees another partner's customer.
Data import and reporting layer
Staged import from sheets and old systems, plus exports and dashboards for management and auditors. For ForexPips we built a client portal; the same care with ledgers applies here.
What it costs
Custom software starts at ₹1,50,000 excluding GST. Product rules, number of roles, integrations, migration and security review needs fix the final written quote.
Questions we get asked
How do you ensure interest and ledger calculations are correct?
We write the rules with your finance head, build automated tests with worked examples, and run old and new systems in parallel for a cycle before switching. Rounding rules are agreed in writing. Your accountant signs off the examples. We keep those test cases with the code for future changes.
Can you integrate with our core banking or partner APIs?
If the partner provides documentation and test access, yes. Timelines depend on their approvals, which we do not control. We list each dependency in the quote and flag the ones that could delay launch. We confirm each dependency in writing.
What about data security and backups?
We use encryption in transit and at rest, access control, audit logs, daily backups and a tested restore plan. Where to host and who holds keys is decided with you. Any certification your partners demand is a separate exercise.
Do we own the software afterwards?
Yes. You get the source code, documentation and infrastructure access at handover. We offer a one-month support window after launch, and a maintenance arrangement afterwards if you want us to continue, quoted separately. Ownership terms are written into the quote.
Ready to scope it?
Tell us what you want to build. You get a fixed written quote after a free discovery call.