Lending, kept like a ledger:
precise, priced, explained.
Gradexa pairs a deterministic Credit Engine with a complete lending Suite — CRM, LOS, and LMS on one data model. Decide, price, disburse, and service, with every decision you can defend.
A decisioning API and the Suite it powers.
Use the Credit Engine on its own via API, adopt the full Suite, or run both — the same engine can power your own lending product.
Credit Engine
A deterministic decisioning brain. Feed it a raw bureau report; get back a risk grade, a priced offer, and the exact reasons — every time. Each grade carries two rate bands: a daily rate for bullet loans and a monthly rate for EMI loans.
- 01Two-stage: eligibility knockouts → 10-grade pricing
- 02Explainable: fired rules + score contributions
- 03Your rules, no code — configuration, not deployment
The Suite
Full-stack lending infrastructure on one data model. Two loan products: a 30-day bullet (short-term) and EMI personal loans — 3–12 months on a reducing balance, with an amortization schedule fixed at disbursal, part-payment with schedule recomputation, pre-closure, and per-installment DPD.
- 01CRM: lead → KYC → borrower 360
- 02LOS: application → product selection → decision → e-sign → disbursal
- 03LMS: servicing both products — bullet payoff math and per-installment EMI schedules
From a lead to a serviced loan, end to end.
The Suite carries an application into the Credit Engine and back out as a decision — then straight into servicing. Nothing is re-keyed between stages.
- 01CRMLead · KYC · borrower 360
- 02LOSApplication · product selection
- 03Credit EngineKnockouts → 10-grade pricing
- 04DecisionGrade · offer · fired rules
- 05LMSDisburse · service · collect
One data model end to end — no re-keying, no lossy hand-offs. Every decision is traceable back to the rules that fired.
Built for lenders who have to explain themselves.
Regulators, credit committees, and borrowers all ask 'why?'. The platform is designed so you always have the answer.
Explainable by design
Every decision returns the rules that fired and each factor's contribution to the score. No black box — defensible to a credit committee and an auditor.
Your rules, no code
Eligibility knockouts and pricing bands are configuration, not a deployment. Credit teams change policy without waiting on an engineering release.
One data model
CRM, LOS, and LMS share a single borrower and loan model. A lead becomes a borrower becomes a serviced loan — no re-keying, no reconciliation drift.
Tenant data isolation
Each tenant's data is isolated. The platform is multi-tenant by design so your book stays yours.
Straight talk on what's live
Gradexa is in active development. The decisioning logic, pricing grades, explainability, both loan products (30-day bullet and 3–12 month EMI), and the shared CRM/LOS/LMS data model are the core of the platform today. Bureau adapters (CIBIL, CRIF, Experian, Equifax) and NACH are enabled on onboarding with your keys. We don't publish customer logos or latency figures we haven't earned in your deployment.
See it decide on a real bureau report.
Request a demo and we'll walk you through the Credit Engine and the Suite on your scenarios. Honest about what's live today and what's enabled on onboarding.