Built for the way ambitious Indian businesses move moneyExplore business banking
Experia LendStack LENDINGLENDING WORKFLOWS WITH CLEAN BOUNDARIES

Coordinate lending operations
without obscuring responsibility.

Organize approved lender, borrower and allocation workflows while regulated credit decisions and fund movement remain with authorized institutions.

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Experia LendStackLending operations
Organize the case Clarify allocation Track lifecycle evidence
ACCESS MODELReview before activation
THE PRODUCT PROMISE

For lending operations teams that need better coordination, evidence and partner visibility across the lifecycle.

CONFIGURABLE BANK PROFILES

Recognizable banks. Explicit activation.

Profiles are available for configuration; live access always requires your own bank contract, credentials, testing and approval.

HDFC Bank logoICICI Bank logoAxis Bank logoYES BANK logo
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WHAT CHANGES FOR YOUR TEAM

Less operational drag.
More confident decisions.

01

Organize the case

Bring borrower, partner and operational context into a consistent workflow.

02

Clarify allocation

Represent approved lender or co-lender responsibilities without inventing authority.

03

Track lifecycle evidence

Keep decisions and provider outcomes associated with the right case.

CAPABILITIES IN DEPTH

Everything the workflow needs.
Nothing hidden between steps.

Each capability is designed as part of one accountable operating journey rather than a disconnected tool.

01
Lending operations

Borrower operations

Coordinate required identity, account and authorization evidence for an eligible program.

  • Case checklist
  • Evidence status
  • Review ownership
1
02
Lending operations

Partner allocation workflow

Represent approved participation and allocation context across responsible institutions.

  • Partner roles
  • Allocation visibility
  • Approval status
2
03
Lending operations

Disbursement coordination

Prepare an eligible instruction only after required decisions and conditions are present.

  • Condition readiness
  • Controlled instruction
  • Provider outcome
3
04
Lending operations

Case-level history

Maintain an explainable operational record across review and servicing events.

  • Decision timeline
  • Supporting evidence
  • Exception notes
4
THE EVERYDAY JOURNEY

Four clear moments.
One continuous record.

01

Open case

Create the operational record for an eligible program.

02

Verify

Gather and review the required borrower and authority evidence.

03

Allocate

Record approved partner participation and conditions.

04

Coordinate

Progress eligible instructions through authorized providers.

WHERE IT FITS

Designed around
real business work.

For lending operations teams that need better coordination, evidence and partner visibility across the lifecycle.

01

NBFC operations

Coordinate approved borrower and disbursement journeys.

02

Co-lending support

Organize partner responsibilities and allocation evidence.

03

Marketplace credit programs

Connect platform context with authorized lending partners.

04

Servicing exceptions

Track operational issues and resolutions against the case.

RESPONSIBILITY BOUNDARY

Clarity builds trust.

LendStack supports operational coordination. It is not a lender, does not promise credit and does not replace regulated underwriting or servicing obligations.

IMPLEMENTATION READINESS

From product request
to controlled activation.

Every module enters the same onboarding, entitlement and evidence framework while preserving its product-specific operating rules.

01

Bring the banking relationship

Use an eligible existing account or request a current account from a displayed bank. The bank owns eligibility, KYC and account approval.

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02

Complete Experia onboarding

Select Experia LendStack, provide organization evidence and define integration needs inside the encrypted onboarding workspace.

Request this product
03

Connect, test and approve

Credentials stay server-side. Connectivity is tested without financial instructions, then activated through independent approval.

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PRODUCT QUESTIONS

Before you
request access.

Does Experia360 make credit decisions?

No. Credit underwriting and regulated lending decisions remain with authorized lenders.

Does LendStack fund loans?

No. Funding and disbursement must occur through eligible institutions and contracted arrangements.

Can allocation rules be configured freely?

Only structures supported by the executed program documents, applicable law and partner approvals should be represented.

BUILD YOUR STACK

Works even better,
together.

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LENDING · REQUESTABLE SOLUTION

Bring Experia LendStack
into your operating stack.

Start with organization onboarding and request only the capabilities your team needs.

Start onboarding