SolGuruz is a lending software development company that builds the systems lenders run on, from loan origination and underwriting to servicing, collections, and the borrower apps around them. We build the credit and risk engine, wire in the bureaus, and build to comply with the fair-lending rules that govern every loan.
Trusted by Startups and Enterprises Worldwide
Custom Software Development Success Stories
Real founders, CEOs, CTOs, and product owners behind 102+ shipped products across 14 industries share what working with SolGuruz looked like. Every story is one of 130+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
Online Art Education Platform
I've been working with SolGuruz for almost five or six years. They say you have to pick two of the three: cost, quality, or speed. SolGuruz has been the only company that I have ever experienced that has delivered on all three of those pillars at the same time. They deliver the highest quality code, designs, and projects at the best price and within timelines you think are impossible. You guys are amazing and unmatched.
Vice President & Co-Founder, Sparketh | Shark Tank Featured Startup
Custom Software Solution Development / Driver Dashboard & Invoice Automation for Food Service Company
SolGuruz has delivered a solution that has reduced 90% of manual efforts through automation and provided real-time insights for supplier fulfillment and order volume trends. The team is responsive to requests and changes, and their proactive approach to problem-solving has stood out.
Summarized from Gary Boyd's Clutch review
Gary Boyd
CEO and Owner, Tasty Food Guys | Florida, USA
Mobile App & Web App Dev & UX/UI Design for Social Platform / Daily Journaling App
SolGuruz has delivered the initial design and meets weekly to track progress. The team coordinates the project through a project manager as the primary client contact. SolGuruz is communicative and provides follow-up to meet requirements. They communicate via virtual meetings, emails, and messages.
Summarized from Robert Mond's Clutch review
Robert Mond
Principal, The Master Storytellers LLC & Founder/CEO, DreamStoryLive | New Mexico, USA
Radon Compliance Software - Website & Mobile App Dev for Home Services Company
SolGuruz delivered the project on time and had outstanding project management skills. Furthermore, the team communicated effectively and cohesively through Microsoft Teams. Overall, the service provider's performance led to the client's satisfaction.
Summarized from Chad Smith's Clutch review
Chad Smith
Owner, Monarch Radon Testing LLC & Founder, RadonSketch | Colorado, USA
what we build
Lending software is the pipeline of a loan: originate it, decide it, book it, service it, and collect it. From loan origination software development to loan management software development, we build each stage as a standalone system or one connected platform, tailored to the loan products you offer.
Loan origination software (LOS) for application intake, document collection, verification, and decisioning through to approval, so borrowers get an answer fast and your team is not chasing paperwork.
Loan management software that is the system of record for the loan book: balances, schedules, interest and fee accrual, statements, and a clean ledger finance and audit can trust.
Disbursement, repayment scheduling, auto-debit with retry logic, restructuring, and payoff, so the loan lifecycle runs without manual intervention.
Rules plus machine-learning models over bureau and alternative data, so you approve more good borrowers and price risk accurately, not on gut feel.
Delinquency workflows, dunning, restructuring offers, and recovery, with the compliance guardrails the FDCPA requires built into every step.
Digital-first lending, from a borrower applying on their phone to funds disbursed, with the whole journey automated and auditable.
Two-sided platforms that match borrowers with lenders or investors, with matching, funding, servicing, and payout routing handled cleanly.
Pipeline, borrower, and broker management so your origination channel sells and services loans without leaving the platform.
Web and mobile self-service where borrowers apply, upload documents, track a loan, and pay, which cuts support load and lifts on-time repayment.
Talk to a team that builds origination, decisioning, and servicing software, and builds it to comply with the fair-lending rules.
our services
Our lending software development services cover the full build, from the first scoping call to post-launch iteration, so you are not stitching together separate vendors for app, credit engine, and compliance.
We help you scope the platform, make the build-versus-buy call against off-the-shelf cores, and map the fair-lending obligations before a line of code is written.
Origination, decisioning, servicing, collections, and loan management software solutions built for your loan products and credit policy rather than forced into a generic core.
Credit bureaus, KYC, open banking, payment rails, and accounting wired in so decisioning has the data it needs and money moves safely.
Borrower, underwriter, and collections flows designed for clarity, because a confusing loan flow costs approvals up front and repayments later.
Native iOS and Android apps where borrowers apply, sign, and repay, sharing the same credit engine and ledger as the web platform.
Post-launch monitoring of approval rates, default rates, and collections performance, with security patches and continuous tuning as the book grows.
Book a scoping call and we will map the loan products, the fair-lending path, and a realistic timeline with you.
free resource
Our fintech security and compliance playbook covers the controls that keep a lending build audit-ready, from fair-lending disclosures to SOC 2 practices. Free to download.
A practical eBook for founders, CTOs, and product leaders on building secure financial systems that users trust and regulators approve.
AI and ML
Lending is a data problem, so this is where AI pays off. We build it into decisioning and collections, with a human in the loop and an audit trail for every model, backed by our AI development team.
From sharper credit decisions to smarter collections, we build the AI that improves your approval and default numbers at once.
compliance
Lending is one of the most regulated things software can do, from fair lending to disclosures to collections. We treat compliance as an architecture input from day one and build to comply rather than bolting it on. For the deeper view, read our fintech secure product building playbook.
We build the consent, adverse-action, and dispute flows the Fair Credit Reporting Act requires when you pull and act on credit data.
We build decisioning that is explainable and testable for disparate impact, so your credit models support Equal Credit Opportunity Act obligations rather than hiding bias.
APR, fee, and payment disclosures generated correctly and on time, with the records to prove it, because a disclosure error is a compliance error.
integrations
A lending platform is a decision engine wrapped in integrations. These are the connections we wire in so you can verify, decide, and disburse in one clean flow.
Experian, Equifax, and TransUnion for pulls and, where applicable, repayment reporting, plus alternative-data providers for thin-file applicants.
Identity verification, KYC and AML screening, and fraud signals wired into application, so credit is only extended to a verified borrower.
Plaid, MX, and similar providers for cash-flow underwriting and income verification straight from the applicant bank account.
Disbursement rails, auto-debit and card payment for repayments, and core-banking or ledger systems, so money in and money out both reconcile.
how to build
You do not always need to rip out the core. The right move depends on how much of your edge is in the lending logic and how much legacy origination and servicing you run, and we help you choose before the budget is set.
The right choice when your credit policy or borrower experience is the differentiator: a bespoke origination, decisioning, and servicing stack built to your loan products.
When a legacy LOS or servicing system is slowing you down, we re-architect, extend, or wrap it with modern services and borrower apps without losing the loan book.
When speed to market wins, we build on proven components and open-banking rails to reach a compliant lending MVP faster, then extend it as volume grows.
We keep the stack proven and auditable, because a lending platform is won on decisioning accuracy and compliance, not on chasing trends.
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
Claude Code
GitHub Copilot
Cursor
Windsurf
v0
Gemini
Codex
Banani
Figma Make
Uizard
Pencil Dev
Stitch
Kiro
Antigravity
User-doc
Miro AI
Whimsical AI
We run a defined process so fair-lending compliance and credit-model integrity are settled early, not late. Every stage lands a named deliverable with a clear owner.
cost
Lending software development cost tracks scope more than anything else, and the biggest driver is how much of the credit and risk engine you build versus integrate. A focused module can launch in 2 to 4 months, typically $30,000 to $50,000. A full platform with origination, decisioning, and servicing runs much longer, often $150,000 to $300,000 or more.
One module, such as an origination flow or a borrower app, on an integrated decisioning provider. The fastest route to lending live with real borrowers. Typically $30,000 to $50,000.
Origination and servicing with integrated decisioning, several integrations, and core compliance. Typically $50,000 to $150,000.
Origination, in-house decisioning, servicing, collections, and compliance automation. The build for a lender running its book on the software. Typically $150,000 to $300,000 or more.
Number of modules and loan products, the build-versus-integrate call on decisioning, the depth of bureau and open-banking integrations, and the compliance scope across states.
Ranges are indicative and depend on your loan products, integrations, and compliance scope. We give a line-item estimate during scoping.
From the credit engine to servicing and compliance, we build lending software for banks, fintech lenders, and marketplaces.
lending types
A consumer personal-loan flow and an SME line of credit are different products with different rules. We build for the loan types you actually offer.
Personal loans, installment credit, and point-of-sale financing with fast, fair, and compliant decisioning for individual borrowers.
Business loans, lines of credit, and invoice and revenue-based financing, with the underwriting depth commercial credit demands.
Origination, document-heavy underwriting, and servicing for mortgage and home-equity products, built for the disclosure rules these loans carry.
Point-of-sale and dealer financing for auto and equipment, with rate cards, dealer portals, and servicing tuned to secured lending.
Two-sided platforms matching borrowers with lenders or investors, with funding, servicing, and payout routing handled cleanly.
who we serve
A bank modernizing an origination core and a fintech launching a new loan product need very different builds. We build for lenders across the market.
Origination modernization and digital borrower front ends for banks and credit unions that need to move faster without replacing the core.
Full digital lending platforms and MVPs built to comply, for fintechs launching a new loan product on modern, API-first rails.
Two-sided platforms with matching, funding, servicing, and investor payouts for peer-to-peer and marketplace lending models.
Lean, mobile-first origination and servicing for microfinance institutions and community lenders serving thin-file borrowers.
Dealer and point-of-sale financing platforms with rate cards, dealer portals, and secured-lending servicing.
Document-heavy origination, underwriting, and servicing built for the disclosure and compliance load of home lending.
We combine shipped lending experience, real compliance discipline, and one team across the whole build, so you build with a team that has taken a credit product to production before.
Here's why lenders trust us to build their platform:
A Shipped Lending Product
We built and launched FlexiPe, a production BNPL lending product, with real-time decisioning, repayments, and collections, so we scope your build from delivery, not theory.
Compliance Built In
We build to comply with FCRA, ECOA, TILA and Reg Z, FDCPA, and GLBA, so the fair-lending and disclosure parts are handled from the architecture up.
The Credit Engine, Not Just the App
We build the decisioning, scoring, servicing, and collections that make a lending product work, which is where most teams underestimate the effort.
Proven Delivery
SolGuruz has shipped 102+ products across 14 industries with a 99.9% delivery rate, backed by ISO 27001 and ISO 9001 certified processes.
One Team, One Build
Origination, decisioning, servicing, and compliance under one roof, so you are not integrating separate vendors and hoping the seams hold.
Read what founders and product teams say about building with SolGuruz.
SaaS Platform Redesign Services for Sales Promoting Platform
The platform looks better than before and is appreciated by the end customers, thanks to SolGuruz. The team uses Slack for communication and has been effective so far. Their dedication and proactivity impress the client.
Summarized from Robin Singhvi's Clutch review
Robin Singhvi, CEO, SmartCue
Mumbai, India
UI/UX Design & Development for Software Community Platform
The engagement was a success; SolGuruz completed four months worth of work in just one month. They guided the client through the best rollout plan and went the extra mile to keep everyone involved in the process. Overall, they were transparent, timely, communicative, and professional.
Summarized from Arpan Garg's Clutch review
Arpan Garg, Founder, Commudle
India
Custom Software Development - Mobile & Web Dev for Documentation Solutions Firm
SolGuruz's work continues to receive positive feedback from the client's customers. The team is highly communicative and professional from a project management standpoint, and internal stakeholders are impressed with the service provider's technical expertise.
Summarized from Deepak Dhanak's Clutch review
Deepak Dhanak, Co-founder & CEO
Mumbai, India
From Our Portfolio
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Key Outcomes
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SolGuruz designed and developed UnSub - a subscription and bill management platform delivering a complete cross-platform product across web and mobile in 8 weeks.
Key Outcomes
Buy Now Pay Later (BNPL) App Solution
Get insights from FlexiPe App’s Case Study relates to the Buy Now Pay Later model, offering a comprehensive analysis of the BNPL App.
Key Outcomes
We deliver secure, compliant, high-performance lending software for banks, fintech lenders, and marketplaces.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk directly to a senior engineer who has shipped what you are planning.
