Offer Seamless P2P Loans for Consumers & Business
Peer to Peer Lending requires a highly robust platform to process many thousands of transactions if not more, to manage the life cycle between lenders and borrowers in a seamless and efficient manner. Aura Cloud provides you just that with a lot more.
Onboard in Minutes
Discover new revenue streams
Automate and streamline
Certain credit needs require a unique marketplace
Peer-to-Peer marketplaces offer a much-needed alternative to traditional banking and payment systems. Marketplaces need to be running efficient systems to monitor the activities of the Lenders and borrowers and manage the entire lifecycle of placements, borrowing and repayments in one smooth manner.
Our solution enables financial institutions to automate and digitise the entire loan origination process, placement on market place, bids by lenders and the entire repayment and redistribution cycle.
You can manage risk, protect your lenders, serve your borrowers and discover new revenue streams while we keep the entire engine running efficiently.
Your unique P2P lending MarketPlace
Onboard in Minutes
Aura gives you a 100% digital option for self and agent driven on boarding for lenders and borrowers. You can automate the entire credit process including specialised credit checks to make your on boarding efficient and reduce friction in the process.
Discover new revenue streams
Set up different options for different types of lenders and borrowers. Be it a group of Retail investors, High networth individuals, or Institutional investors you can set different options to place funds with different revenue streams. On the borrower side too, tailor make your products to suit private customers or SME borrowers or large companies.
Automate and Streamline
In the P2P business, automation is everything, the number of transactions can soon be overwhelming. Aura provides total automation, right from placements, to bids, until loan disbursement, repayment and redistribution to lenders including taxes and fee deductions.
Leverage Data to Reduce Costs & Drive Business Results
We provide a single, unified view of all customer data and transactions across multiple channels in real time.
This allows banks to make more informed decisions about their customers’ creditworthiness and risk profile, which leads to increased loan approvals and higher returns on investment.
Our solution also enables banks to manage the entire end-to-end process from origination through servicing, collections, reporting and compliance – all from one place.
Unleash the Opportunities of P2P Lending
Our cloud-based platform is designed to automate the entire process and reduce costs for financial institutions, so they can focus on what matters most – helping their customers grow.
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P2P member registration
Social credit score model
Verified vs. non verified member
Preferences for member views
Loan request application
Credit evaluation
Loan requests to market placemen
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Placement settings for different types of lenders
Loan request settings for different types for borrowers
Loan products for Private and Business customers
Auto investment and auto-bid settings
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Loan life-cycle management
Loan bid acceptance
Loan collection and repayment
Non-performing asset management
Credit bureau handoff
Collective impairment and individual impairment
Customer output and agreement management
Escrow management
Tax handoffs
Loan disbursement management
Loan data handoffs to collection agencies
Reminders, Notifications and Alert management
Dunning letters and outputs
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“With Aura Cloud as a partner, we can make the right moves to increase sales and profitability. Aura Cloud has an exciting platform that will help us in our future endeavors while also adding new functionality for increased efficiency on credit processing!”
– Andreas Johansson, CEO at Wästgöta Finans
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“Aura Cloud is a partner who supports our business and product development with an agile, solution-oriented approach. The platform lets us develop new products while staying compliant - we can meet customer needs without sacrificing efficiency or security.”
– Joakim Wiksten, CEO at Serafim Finans
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“Aura Cloud has helped to transform our back office and investment platform, replacing legacy systems with a far superior automated one that is constantly monitoring what’s most relevant to us. The cloud-based solution not only saves money but also mitigates risks in real time providing stress free days for all members of my team!”
– Elisa Saarinen, CEO at Vauraus
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"We chose Aura for its hands-on and fast implementation process, responsive customer support team members who are always happy to help you out in a timely manner."
– Alexis Kopylov, CEO at DBT Capital
Your P2P Platform Is Ready for Launch
1 · Book a Demo
Get to know our platform with our experts. We will walk you through its myriad capabilities and how it benefits your business. Discuss your business ideas / use cases and challenge us with your vision. You will be surprised with the vast capabilities that you can unlock for your business.
2 · Personalise Your Offerings
Our experts will scope your business, make a fitment and provide advice on how to make the best of the platform. Demand your own Customer Journey, play with our APIs, customise your data flows and bring your products to life.
3 · Launch Within Weeks
Be it a green-field or migrated portfolio, our on-boarding is smooth, structured and simple. Our tested on-boarding methodology ensures fit-for-purpose and quick deployment processes ensures that you can hit the ground running in weeks.
Integrate With Ease
You don't have time to waste on complicated integrations or expensive tools that just don't work the way they should.
With Aura Cloud, your team can easily create new APIs or modify existing ones without having to do any heavy lifting.
In fact, with over 6500+ actions on various APIs available to choose from, the possibilities are endless! And because our REST API container is automatically version controlled, there’s no need for you to worry about ever losing data again.
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