Professional Technology for Proactive Lending

Scale your lending operations with an integrated ecosystem. From local economic intelligence to automated debt recovery.

The 9 Pillars of NanoFin360

Customer 360 & KYC

Integrated e-KYC and 360-degree client profiling. Manage consents, risk flags, and occupation data in one place.

Credit Scoring Engine

Rule-based scoring combined with Bayesian models. Automated approval workflows with audit logs.

Affordability (DTI)

Calculates DTI/DSR with net disposable income buffers. Adaptive to agricultural seasonality shocks.

Branch Performance

Monitor KPI, approval rates, and vintage analysis at branch level. Visualize risk heatmaps across regions.

NPL & Recovery

End-to-end bad debt handling: restructuring, write-offs, litigation tracking, and debt sale package management.

Credit Policy Engine

No-code policy management. Adjust LTV, rates, and eligibility criteria instantly without modifying core code.

Early Warning (EWS)

Proactive behavioral triggers (late payment, partials) and watchlist automation to prevent NPL transitions.

Risk Lab & Stress Test

Scenario generators using Monte Carlo & Bayesian models. Stress test your portfolio against macro shocks.

Executive BI & API

Real-time management dashboards with seamless integration capabilities for external micro-services.

Innovation Hub

LEI (Local Economic Index) & Advanced Analytics

Go beyond static scores. Ingest local macro data (agricultural prices, employment shifts, regional liquidity) to nowcast portfolio risk before it manifest as delinquency. Powered by Bayesian Dynamic Priors for real-world precision.

  • Bayesian Hierarchical Modeling (Prov → Dist → Sub)
  • Geo-Segmented Nowcasting (Monthly/Weekly updates)
  • Scenario Generation for Capital Adequacy

Open Source with a Heart

NanoFin360 is free forever for companies with up to 150 employees—unlimited branches, unlimited growth. We grow together.


For larger financial groups: Your support allows us to continue building advanced risk analytics for the whole community. Support the ethics of sustainable finance.