Loan Against Property. Precision in every check. Speed in every step.
miFIN’s Loan Against Property (LAP) solution redefines secured lending with precision, speed, and intelligence. From eligibility checks to valuation, legal scrutiny, underwriting, disbursement, lifecycle management, and collections—everything is streamlined on a single platform.
What gives Qualtech the Edge
What gives Qualtech the Edge
The miFIN LAP solution empowers you to operate multiple business models simultaneously, whether traditional on-book lending, co-lending, or LSP/BC-led models. It also enables you to serve every customer profile—Salaried, SEP (Self-Employed Professional), and SENP (Self-Employed Non-Professional).
The miFIN LAP origination journey comes pre-integrated with a wide range of third-party APIs, designed to make onboarding and credit evaluation seamless, frictionless, and consistently fast—delivering best-in-class TATs and customer experience.
miFIN LMS – miFIN LMS brings precision and automation to the entire post-disbursement lifecycle. Every workflow—appropriation, amortisation, DPD, charges, NPAs, transactions, and closures—runs on a configurable rule engine that eliminates manual effort and ensures consistent, compliant outcomes. With seamless integrations and intelligent financial logic, miFIN LMS delivers cleaner operations, faster resolutions, and a stronger customer experience end-to-end.
Centralised application management
Automated valuation & legal workflows
100+ services integrated out-of-the-box
Dynamic workflow routing
Precision, performance, and protection at every step.
Faster turnaround time
Automated verifications and parallel processing cut delays across valuation, legal, and underwriting.
Reduced operational risk
Checks for title inconsistencies, mismatched data, income anomalies, and property red flags.
Better cross-team visibility
Operations, credit, legal, and valuation — all aligned through a single platform with real-time status.
Improved accuracy
AI-based document data extraction reduces manual entry errors and improves decision reliability.
Portfolio strength & performance
Better controls over loan-to-value (LTV), risk exposure, and asset quality.
Compliance-aligned processes
Integrated audit trails and regulatory-ready documentation.
Here’s What We Bring to The Table
Unified LAP workflow platform
Every stakeholder, document, and decision point is integrated end-to-end.
Integrated partner ecosystem
Ability to bring valuers, legal vendors, bureaus, GST, registry data, and more on the same platform.
Automated risk evaluation
Income analysis, LTV checks, property scoring, and risk flags powered by intelligent insights.
Robust document management
OCR, classification, tagging, and auto-extraction for faster processing and error-free validation.
Configurable product variants
Support for different LTV ranges, ticket sizes, customer segments, geographies, and co-lending models.
Real-time dashboards & MIS
Portfolio health, process SLAs, risk metrics, and ageing reports — all at your fingertips.
