The Autonomous Lending Operating System for Modern Lenders
From intelligent intake to real-time automated underwriting and instant disbursement. Supercharge origination velocity with EVNORIX end-to-end LOS powered by Smart Intake AI.
Live Application Review
AI Smart Intake: Structured Deal Matrices, Instantly
No more borrower friction or back-and-forth email loops — our OCR engine ingests any document, validates it, and reconciles the data instantly.
- close Mismatched PDFs, indexed by hand
- close 4–8 hrs re-keying data into Excel
- close Fraud caught days later, in audit
- close 7–14 days to term sheet
- verified Classified & validated in <1.2s
- verified Tampering flagged live, not after the fact
- verified Borrower nudged to fix issues in real time
- verified Feeds underwriting rules directly, no re-entry
"Switching to EVNORIX Smart Intake reduced our loan review turnaround from 4 days to 14 minutes across 1,200 monthly commercial applications."
— Chief Risk Officer, Pacific Regional UnionAutonomous AI APIs for Indian Lending
Plug institutional-grade AI directly into your own LOS with REST & GraphQL endpoints. Every document comes back with verified schema, tamper forensics, and GST–Bank cross-reconciliation in sub-second latency.
Smart Intake API
Multi-modal parser for Indian financial documents — GSTR-1/3B, ITR 1-6, Form 26AS, audited balance sheets, and scanned bank statements — without manual templates.
DocGuard Forensic API
Detects altered numbers on Indian bank passbooks, forged municipal/CPA stamps, manipulated PDF font vector streams, and digital e-stamp tampering — in under 300ms.
CashPulse Engine
Real-time bank statement analysis — cash-flow trends, bounce/dishonor frequency, and recurring obligation detection across current and savings accounts.
DecisionIQ Matrix API
No-code/low-code credit policy rulesets, custom scoring models, and automated counter-offer generation for multi-tier underwriting.
From Application to Approved Term Sheet in Under 3 Minutes
Every phase of origination unified in a reactive microservice ecosystem. Modular, auditable, and engineered to replace disjointed point-solutions.
Smart Omni-Channel Intake
White-labeled web, mobile, broker portal, and REST API endpoints. Instant multi-file ingestion with instant OCR classification.
KYC / AML & Fraud Matrix
Autonomous cross-checks with CIBIL, Experian India, Income Tax Form 26AS, and PMLA/FIU-IND watchlist databases in sub-second parallelism.
Configurable Decision Engine
No-code/low-code credit policy rulesets, custom scoring models, automated counter-offers, and multi-tier debt-yield matrices.
Auto Doc Gen & E-Sign
Dynamic promissory notes, security agreements, covenants, and closing disclosures packaged with embedded DocuSign/AdobeSign APIs.
Instant Funding & Servicing
Direct UPI, IMPS, NEFT & RTGS gateway execution paired with automated ledger sync directly to core servicing platforms.
Product-Grade Innovation Meets Tailored Enterprise Engineering
We don’t just license software. EVNORIX deploys elite fintech architects and systems engineers to tailor, scale, and integrate custom microservices into your legacy core.
Core Banking & LOS Custom Integrations
Turnkey event-driven connectors for Finacle, Flexcube, Pennant, and TCS BaNCS. Eliminate data silos with bidirectional sync.
Cloud Modernization & API Architecture
Kubernetes-orchestrated containerization, zero-downtime database migrations, and high-throughput serverless microservices.
Data & AI Workflow Engineering
Custom training pipelines for private enterprise LLMs, proprietary risk weights, and predictive cash-flow forecasting algorithms.
Regulatory Compliance & Security Audits
RBI Fair Practices Code, DPDP Act, and SOC2 compliance automation. Built-in loan rejection disclosure dispatch and explainable AI credit audits.
Drastically slash per-loan processing overhead by removing manual doc indexing and manual data entry.
Borrowers complete applications seamlessly with instant auto-population and zero document friction.
From full package upload to automated conditional approval and term sheet generation.
Multi-region high availability with dedicated institutional infrastructure isolation.
Why Lenders Are Building With Us Early
EVNORIX is a new platform, built by a focused engineering team — that's an advantage for early partners, not a gap to hide. Here's what working with us actually looks like.
Direct Access to the Founding Team
No support-ticket queue. Your rollout is worked on directly by the people building the product.
Built India-First, From Day One
Architected around GST/ITR document formats, CKYC, and Indian core banking systems — not a US platform retrofitted for India.
Your Workflow Shapes the Roadmap
As an early partner, features get prioritized around what your underwriting team actually needs — not a rigid, already-frozen product.
Modern Stack, No Legacy Debt
Built on current AI and cloud infrastructure from the ground up — not a decade-old LOS with automation bolted on.
Transform Your Lending Workflows With EVNORIX Today.
Schedule a tailored architectural session with our lead fintech engineers. Discover how Smart Intake AI and our modular decision engine plug directly into your current core stack.
Our solutions architecture lead will reach out within 4 business hours.