Accurate and reliable calculations
The system ensures precise schedules, interest accruals, and postings for all loan types. Support for annuity, flat, and reducing balance methods with automatic recalculations for adjustments.
End-to-End Loan Servicing Platform
Rayterton Loan Management System
A comprehensive loan servicing platform for consumer and SME financing. Manage contracts, schedules, disbursement, billing, collections, restructures, insurance, collateral, payoffs, write-offs, GL interface, and regulatory reporting with strong maker-checker controls.
Request LMS Demo
View Standard Features
Fully customizable to match your products, rules, and payment channels
Designed for accuracy, automation, and compliance
Loan Servicing Excellence
Origination to Recovery
- Precise schedules and posting calculations
- Bulk billing and payment automation
- Configurable products and rules
- Real-time dashboards for operations and management
Why Rayterton LMS
The Complete Loan Servicing Platform for Your Multifinance Business
Rayterton Loan Management System handles the full loan lifecycle with precision and control. It supports consumer and SME financing with configurable products, automated workflows, and regulatory compliance.
Flexible and customizable by design
Configure products, tenors, rates, fees, grace periods, and due date rules. Tailor the system to match your credit policies and operational requirements without disrupting workflows.
Standard Features
What Rayterton LMS Includes
A complete suite for end-to-end loan servicing, supporting consumer and SME financing with configurable products and automated workflows.
Contract Setup
Configure products, tenors, rates, flat fees, penalties, grace periods, and due date rules. Support for multiple financing schemes with flexible parameters.
Schedule and Interest
Amortisation methods including annuity, flat, and reducing balance. Handle interest accruals, rebates, and recalculations for adjustments and restructures.
Disbursement
Single and batch disbursement to accounts and virtual accounts. Automatic notifications to customers and merchants upon successful disbursement.
Billing and Invoicing
Automated billing runs with tax handling. Generate electronic invoices and customer statements on schedule or on demand.
Payment Processing
Support for VAS, VA, QR codes, cards, and cash at branches or partner locations. Automatic allocation and reversal capabilities.
Adjustments and Restructures
Handle top-ups, term extensions, rate changes, consolidation and split transactions, and fee waivers with proper approvals and audit trails.
Delinquency and Penalties
Aging buckets, configurable penalty rules, and automatic penalty postings. Track delinquency levels and trigger collection workflows.
Insurance and Collateral
Capture policy details, endorsements, and claims. Track collateral values and re-valuation with insurance linkage to contracts.
Payoff and Settlement
Process early settlements with rebate calculations. Generate no-objection letters and handle full payoff workflows.
Write-off and Recoveries
Charge-off workflows with proper approvals. Track recoveries and maintain post write-off accounting for audit purposes.
GL and Accounting
Chart of account mapping, automatic journal entries, reconciliation, and period close controls. Ensure clean GL posting and faster closing.
Reporting and Audit
Operational and regulatory reports, comprehensive audit logs, and data exports. Maintain transparency and compliance with regulatory requirements.
Designed for operational efficiency and control
The system follows real-world loan servicing processes that your operations, credit, and finance teams already know. Guided data entry, intelligent validation, role-based screens, and configurable rules reduce training time and minimize errors.
Technology and integration
Built for Finance System Integration
Rayterton LMS connects to payment gateways, core banking, finance systems, and external data sources to maintain data consistency and enable real-time reporting.
Integration options
- Payment Gateway, VA, and QR integration for automated payment processing.
- Core Banking and GL interface for seamless financial posting.
- Credit Bureau and eKYC integration for credit assessment.
- Insurance APIs for policy and claims management.
- Data Warehouse and BI connectivity for analytics and reporting.
System capabilities
- API-first architecture with SSO support for secure access.
- Maker-checker controls for all critical transactions.
- Comprehensive audit trails for regulatory compliance.
- Configurable workflows for approvals and exceptions.
- Real-time dashboards for operations and management.
Engagement model
What You Get From Rayterton
We configure a Loan Management System pilot based on your product catalog, rules, and payment channels. The aim is to validate workflows, controls, and dashboards with your teams before expanding.
Before go live
- Product configuration and rules set up to match your financing schemes.
- Payment channels integrated for seamless disbursement and collections.
- Trial access until go live for operations, finance, and management teams.
After go live
- Annual maintenance that includes change requests without extra manday cost.
- Training and enablement materials for operations and finance teams.
- Migration and import tools with data transfer support.
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.