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 133+ independently verified client reviews across Clutch, Google, Glassdoor, and other platforms, averaging 4.9 ★★★★★ ratings.
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
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.
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
Covers the whole fintech build: architecture, ledgers and reconciliation, PCI DSS, KYC/AML, GDPR, PSD2 and Open Banking, UX that balances security against friction, plus QA, fraud testing, and monitoring. 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.
Australian lenders work under their own credit reporting regime, responsible lending law, and real-time payment rails, so we build each one into the platform from the start.
Australia's comprehensive credit reporting system shares positive data, including 24 months of repayment history, alongside defaults. Since 1 July 2022, lenders also report financial hardship information, which credit reporting bodies cannot use to calculate a credit score. We build the monthly reporting feeds, hardship flags, and correction workflows that Part IIIA of the Privacy Act requires.
Chapter 3 of the National Consumer Credit Protection Act requires lenders to make reasonable inquiries about a borrower's requirements, objectives, and financial situation, verify it, and assess the loan as not unsuitable before approving. We build those responsible lending obligations into origination, with a stored record for every decision and a copy ready when a borrower asks.
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
Flutter
Android
Apple
React Native
TypeScript
JavaScript
ReactJs
Electron
Angular
WordPress
Webflow
FlutterFlow
Java
PHP
Node.js
Python
Laravel
Django
FastAPI
Flask
Nestjs
Feathersjs
TensorFlow
PyTorch
OpenCV
Hugging Face
KaggleOpenAI
Anthropic
OllamaClaude
Voiceflow
Vapi AI
Perplexity.Ai
Stable Diffusion
CrewAI
N8n
Langflow
Keras
LangChain
Google Colab
Rasa
Llama 4
PaLM 2
MYSQL
AmazonDynamoDB
Firebase
Firestore
Supabase
PostgreSQL
Oracle
Redis
MongoDB
Cassandra
Elasticsearch
Pinecone
Pgvector
Weaviate
AWS
Digital Ocean
Google Cloud
Twilio
Docker
Kubernetes
Azure
Mocha
JMeter
Appium
SoupUI
Jest
Maven
Test NG
Selenium
Cucumber
Postman
Cypress
Rest-Assured
TravisCI
CircleCI
Gradle
Jenkins
Github-Actions
Bitbucket-Pipelines
Gitlab CI/CD
SonarQube
Grafana
Codemagic
Terraform
Bamboo
Vercel
GitLab
GitGithub Actions
Nginx
PM2We 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.
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AI-native engineering
AI-native by practice, engineer-led by principle. We use AI-assisted tools at every step of design, development, launch and growth, and a senior engineer still owns every architecture decision, every security review and every line that reaches production.
01Design
We use AI to map requirements, user stories and workflows, and to turn them into a clickable prototype your stakeholders can test before production code is written.
Engineer-ledOur team runs discovery with you and agrees the scope before anything is built.
AI speeds up layout variations, accessibility checks and design-to-code handoff, on a shared design system in Figma.
Engineer-ledDesigners make every design decision, and every screen is built to match the approved design on every device.
We settle the architecture, data model, state management and integrations before the build starts, so the product scales without a rewrite.
Engineer-ledA senior engineer owns every architecture decision.
02Build
Our developers use Claude Code, GitHub Copilot and Cursor for scaffolding, boilerplate and repetitive patterns.
Engineer-ledSenior engineers own the logic, and a developer reviews every AI-generated change.
Code follows agreed standards and a Git Flow branching model, and AI-powered review flags issues on every commit.
Engineer-ledA second developer reviews every change before it merges.
We work under ISO 27001 and ISO 9001 certified processes, build to SOC 2-aligned controls, and add HIPAA-aligned safeguards where health data is involved.
Engineer-ledA senior engineer owns every security review. Independent security agencies run penetration tests, and we remediate their findings.
03Ship
AI generates unit tests, edge cases and regression suites from the codebase.
Engineer-ledQA engineers test the real user flows by hand before every release.
Static code analysis scans every commit, and CI/CD pipelines build, test and deploy across development, staging and production.
Engineer-ledEngineers set the quality gates the pipeline enforces and fix what the scans flag.
Alpha and beta builds go to internal and external users first, and releases roll out in phases with a rollback plan.
Engineer-ledYou get a demo build after every sprint and review it with the team.
04Grow
Crash reporting, performance monitoring and usage analytics are in place from launch day, and for mobile apps we track Google Play and App Store analytics too.
Engineer-ledOur engineers keep checking crash reports and store analytics for the life of the product, so it stays stable long after launch.
We plan in two-week sprints and prioritise new features from user feedback and analytics, not guesswork. For clients without an in-house marketing team, we also run the product growth strategy after launch.
Engineer-ledDaily stand-ups and sprint demos keep you in every decision about what ships next.
AI keeps API references and technical docs in sync with the code, and maintenance plans keep the product secure and up to date.
Engineer-ledYou get full repository access and IP ownership, and one in-house senior team stays accountable for the outcome.
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 8 to 14 months, 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
Compliance Built In
The Credit Engine, Not Just the App
Proven Delivery
One Team, One Build
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.
Financial products rarely run on one platform. Explore the connected fintech software our team builds.
Quick answers to the questions our clients and prospects ask most. If yours is not here, our team is one click away.
Jay NandwanaSenior Technical Business Consultant
Need advice tailored to your project?
FAQs cover the common ground. For decisions specific to your tech stack, timeline, and team, talk to Jay and the team, who have shipped what you are planning.
Or email us hello@solguruz.com
A lending software development company builds the systems lenders run on: loan origination, credit decisioning, loan management and servicing, collections, and the borrower apps and portals around them. SolGuruz builds these and builds them to comply with the fair-lending rules that govern consumer and commercial credit.
Cost tracks scope. A focused module such as an origination flow or a borrower app on an integrated decisioning provider sits at the lower end, typically $30,000 to $50,000, and can launch in 2 to 4 months. A full platform with in-house decisioning, servicing, collections, and compliance automation runs longer and costs several times more, often $150,000 to $300,000 or more. The biggest driver is how much of the decisioning and servicing you build in-house versus integrate.
A single lending module goes live in 2 to 4 months. A full, multi-module platform takes 8 to 14 months, depending on the loan products, the depth of bureau and open-banking integrations, and the number of markets in scope.
It depends on where your edge sits. When the credit policy is your differentiator, we build decisioning in-house so you own the models and rules. When speed matters more, we integrate a scoring provider, build origination and servicing around it, and leave a path to bring decisioning in-house later.
Lending is heavily regulated. Software typically needs to support FCRA for credit data, ECOA fair-lending rules, TILA and Regulation Z disclosures, FDCPA for collections, GLBA data-security safeguards, plus state lending licenses and data-privacy laws. We treat these as architecture inputs and build to comply from the start.
Australian lending platforms need comprehensive credit reporting feeds with hardship flags, responsible lending checks under the NCCP Act, and an Australian Credit Licence holder behind them. We typically pair these with real-time NPP disbursement and PayTo repayments.
Yes. We build loan origination systems, credit decisioning and scoring, loan management and servicing, collections and recovery, lending CRM, and borrower apps, as standalone modules or as one connected platform, tailored to your loan products.
Yes. We integrate Experian, Equifax, and TransUnion for credit data, KYC and AML and fraud providers for identity, and Plaid and similar open-banking providers for cash-flow underwriting, plus payment rails and core-banking systems for disbursement and repayment.
Yes. BNPL and point-of-sale financing are lending products, and we have shipped one in production. For that specific model see our dedicated BNPL app development work; for a broader lending platform, BNPL can be one product line within it.
Guides on building lending and fintech products, from how a credit engine works to what a platform costs and how to build it right.
