All in one, no hassle
One platform to handle onboarding, credit, contracts, disbursement, collection, funding, and finance. No more patchwork systems for different lifecycle steps, and no re typing of critical data across teams.
All in one Core Multifinance Platform
Rayterton Multifinance
A modern Core Multifinance platform that unifies the full financing lifecycle in one operating system: onboarding, credit, contract and disbursement, collection, funding, accounting, dispute handling, performance, and mobile field operations. Built for financing enterprises that need everything under one place.
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View Standard Features
Fully customizable to match your workflows, controls, and dashboards
Designed for scale, control, and speed
Complete Lifecycle
Origination to Recovery
- Multi branch and multi business unit operations
- Modular architecture with open integration layer
- Configurable products, credit rules, and approval structures
- Real time dashboards for executives and branches
Why Rayterton Multifinance
The Complete Operating System for Your Multifinance Business
Rayterton Core System Multifinance is designed to modernize operations without disrupting existing networks. It brings governance, risk control, operational intelligence, and scalability into one bankable, audit ready platform.
Best fit customization, by design
The system follows your existing business process, policies, and controls. You can tailor credit rules, product configuration, approval matrices, dashboards, GL automation, and user roles, so transformation happens without operational shock.
Dashboards
Executive and Branch Control Towers
Built for decision velocity. Management sees portfolio, productivity, funding efficiency, and risk quality at a glance, while branches get an operational heartbeat that prioritizes daily approvals and collections.
Executive KPI Dashboard
Real time view of active contracts, outstanding portfolio, total disbursement, net margin, cost of fund, collection and recovery, portfolio composition, DPD aging buckets, and capital sources. Fully customizable, so your C level team monitors only what matters most.
Dashboard Summary (Branch)
Pending approvals, open collections, new applications today, cash in today, SLA breach warnings, prioritized worklist by risk and role, live activity feed, and 30 day application volume trend.
Early Warning and Risk Visibility
Surface risk concentration and execution bottlenecks early through aging, bucket movement, SLA alerts, and branch comparisons so leadership can act before portfolio quality drops.
Audit Trail by Default
Trace who changed what, when, and why across onboarding, credit decisions, contract changes, and financial postings. Governance is embedded, not added later.
Standard Features
What Rayterton Multifinance Includes
A complete suite that covers the end to end credit lifecycle, supporting multiple financing schemes and multi branch operations with granular separation by business unit as needed.
Customer Onboarding
End to end onboarding from application, KYC verification, credit analysis, approvals, contract generation, and disbursement. Designed to align with regulatory requirements and internal credit policies.
Credit Management
Loan origination flow that supports scoring, verification, credit committee approvals, and controlled contract execution with transparent decision history.
Contracts and Disbursement
Flexible scheme support with instant credit simulations for sales teams, automated contract document generation, and integrated disbursement execution without re typing.
Sales and Marketing
Sales pipeline management, team performance tracking, and reward readiness to drive acquisition while keeping approval and disbursement speed measurable.
Insurance Management
Manage customer premiums and partnerships with insurance companies, including policy linkage to contracts and operational monitoring.
Fund Management
Plan and control funding sources to maintain COF and liquidity. Monitor capital sources, decide when external funding is required, and set joint financing schemes with banks.
Collections and Recovery
Arrears monitoring, bucket based strategies, workflow automation, collector assignment, field activity tracking, and complete collection history for each customer and contract.
Finance and Accounting
Comprehensive General Ledger from journals to financial reports. Automate posting logic per transaction, accelerate closing, and keep a clean audit ready record.
Dispute and Remedial
Manage customer disputes and complaints, mediation processes, legal escalation, and track operational and portfolio impact through clear case status visibility.
Performance and Incentives
Scorecards for dealers, KPIs for sales teams, and automatic incentive calculations to keep performance aligned with portfolio quality and efficiency.
Designed to be easy to use, even for complex operations
The workflows follow real world multifinance processes that your frontline staff, credit analysts, and approvers already know. Guided data entry, intelligent validation, role based screens, and configurable rules reduce training time and minimize errors, so teams move faster without losing control.
Mobile Ecosystem
Rayterton Mobile Ecosystem: Field Operation Excellence
Take full control of field operations with mobile execution for collections and credit surveys. Capture activity in real time, reduce data entry delays, and improve transparency across branches and regions.
Collection Visits, Real Time
Track collector visits, outcomes, and next actions per contract, with location and time evidence where needed. Management gains visibility into execution discipline, not just end results.
Credit Survey Acceleration
Field survey capture for faster verification and fewer back and forth corrections. The data flows into credit analysis and approvals without manual re typing.
Branch and Region Transparency
Consolidate field activity into dashboards so supervisors see workload, coverage, and SLA risks across branches.
Business benefits
Business Benefits for Multifinance Operations
Strengthen governance, reduce NPF, and improve operational efficiency through controlled end-to-end workflows.
Operational efficiency outcomes
- Faster approval and disbursement through automated credit workflows and document generation.
- Reduced NPF with early warning systems and disciplined collection strategies.
- Better productivity with mobile field operations and real-time dashboards.
Control and governance outcomes
- Controlled COF and liquidity visibility with fund management and capital source monitoring.
- Clean GL posting and faster closing with automated journal entries and reconciliation.
- Complete audit trail and governance by design across all lifecycle stages.
Technology and integration
Built for Multifinance and Finance Integration
Rayterton Multifinance connects to core banking, finance systems, and external data sources to maintain data consistency and enable real-time reporting without manual spreadsheets.
Integration options
- REST and JSON APIs for customer data sync, loan posting, and payment reconciliation.
- Secure file interfaces (CSV or XML) for legacy finance and core banking systems.
- Audit logs and approvals for finance governance and regulatory compliance.
Mobile readiness
- Android and iOS support for collectors and credit surveyors with offline-first workflows.
- Maps and GPS integration for route planning, visit tracking, and geo-fence compliance.
- Optional WhatsApp notifications to customers for payment reminders and collection updates.
Engagement model
What You Get From Rayterton
We configure a Core Multifinance pilot based on your credit policies, product schemes, and approval structures. The aim is to validate workflows, controls, and dashboards with your teams before expanding.
Before go live
- Credit rules, product configuration, and approval matrices configured to match your policy.
- Multi-branch setup and user roles using your organizational structure.
- Pilot access until go live for credit, collections, finance, and management teams.
After go live
- Annual maintenance that already includes change requests without extra manday cost.
- Training and enablement materials for credit analysts, collectors, and finance teams.
- Optional deeper integration with core banking, finance GL posting, and bank reconciliation.
Rayterton can start the project without any upfront payment and without long term contracts. The focus is to make sure the solution fits and successfully goes live first.