We Orchestrate Efficient Lending Systems

Balancing efficiency, outreach, and risk management — it’s what every microfinance institution strives for. BizXtend is built to make it simpler. With store-and-forward functionality, UPI-enabled repayments, and comprehensive audit trails, it streamlines lending processes and empowers you to serve your clients with confidence.

Supported Business Models

Micro Enterprise Lending

Hassle-free small loans, accessible to all.

Micro Housing Finance

Affordable housing loans for everyone.

Educational Loans

Affordable education loans with flexible repayment.

Individual Lending

Flexible microfinance without joint liability requirement.

Extending Reach, Extending Impact

1.2M+

Number of Clients Served

9,000+

Increase in Loan Officer Productivity

7,000+

Number of MFIs Using BizXtend

20%

Number of Credit Checks Performed

5000+

Loan Applications Processed Daily

16

Number of Regions Where BizXtend is Used

20%

Reduction in Loan Processing Time

Navigate the Full Arc with Ease

The BizXtend platform streamlines the entire lending process, ensuring that every step is efficient and user-friendly. Key components of the lending life cycle include:

Scalable. Adaptable. Multi-Functional.

BizXtend is designed with versatility in mind, featuring essential capabilities that enhance user experience:

Multi-Lingual Support

The platform offers a user-friendly interface in multiple languages, breaking down language barriers for clients.

Offline/Online Mode

Users can operate seamlessly without worrying about data connectivity issues.

Auto SMS Notifications

Clients receive updates in their preferred language, ensuring clear communication.

Mobile & Tablet Compatibility

Field staff can access the platform on mobile devices for improved convenience.

Smooth Onboarding. Secure Verification.

e-KYC & Biometric Integration

Capture and verify client identification data securely through Aadhaar integration, biometric and Iris scanning.

Business Data Collection

Gather detailed information about the client's occupation or business to gain a comprehensive understanding of their financial situation.

Mobile/Tab Module for Field Staff

Empower field agents to manage client interactions and data collection on-the-go.

Offline Functionality & Real-Time Data Synchronization

Enables field agents to collect data without internet access and sync it seamlessly when connectivity is restored.

Clear. Calculated. Comprehensive.

Credit Scoring Engine

Customisable Scoring Parameters: Define categories, weightages, and scoring points based on your business model.

Multi-Level Data Scoring: Comprehensive assessment covering customer character, capital, credit history, and business information.

Data Sanctity: Preserve data integrity with the support of cash flow templates.

User-Defined Output Metrics: Configure desired output metrics or use system-defined options.

Online Credit Bureau Checks

Enable real-time verification of member credit history using mobile devices.

Configurable Cash Flow Analysis

Support various business models with loan applications through detailed cash flow analysis.

Function Proactively, Always.

Loan Origination System (LOS)

Customisable to fit existing lender policies while maintaining control over operations.

Loan Management System (LMS)

Tracks employee training progress and performance metrics for continuous improvement.

Loan Utilization Check

Monitors how loans are utilised post-disbursement to ensure responsible lending practices.

Fast. Secure. Flexible.

  • UPI Integration for Disbursements & Repayments

    Ensures quick and secure cashless transactions directly into clients' accounts.

  • Loan Preclosures Management

    Simplifies the process for clients wishing to settle loans early.

  • Reschedule/Reconstruct/Top-up Loans

    Provides flexibility in managing loan repayments.

  • Funds Movement Tracking

    Monitors the flow of funds throughout the lending process for better transparency.

  • EWI/EMI Calculators

    Helps clients understand their repayment obligations.

  • Pre-closure/Writing Off Loans

    Manages loan closure and bad debt write-offs.

Flexibility & Transparency at Every Step

Custom Chart of Accounts

Tailored to meet specific organizational needs with advanced automated portfolio vouchers.

Flexible Accounting Rules

Supports manual journal entries with precision for detailed financial oversight.

MIS Reporting

Generates insightful reports to aid decision-making processes.

Drill Down Views

Provides detailed insights into customer and loan data.

Security & Compliance You Can Bank On

  • Data Protection Measures

    Robust security protocols safeguard sensitive information.

  • Regulatory Compliance

    Adheres to industry standards to maintain trust and integrity in operations.

  • Event Log & Audit Trails

    Ensures transparency and accountability in all transactions.

Experience Speaks. Results Show.

Hear what our clients say about us.

“We knew scaling operations across 2,000+ branches wasn’t going to be easy, especially with the network limitations we face in remote areas. What impressed us most wasn’t just the tech solution, but how thoughtfully it was engineered to work with real-world constraints. Our data syncs automatically, reporting happens daily, and we haven’t had to intervene once. It’s transformed the way we manage oversight and decision-making across the board."

Chief Operating Officer,

Leading banking & finance company in India

"What set this implementation apart was how seamlessly it brought together the complexity of multi-exchange trading into a single, intuitive interface, without sacrificing performance. The system has proven incredibly reliable under pressure. It's rare to find a tech partner that understands both the urgency and precision that capital markets demand."

Head of Technology

Leading securities trading platform in India

"Working in remote environments means tech solutions either adapt or they’re abandoned. The system was implemented by combining the rugged reliability we needed with the simplicity our teams were used to. It works offline, syncs when it can, and feels like something we’ve always used."

Operations Director

Leading oilfield services company

"Our growth was outpacing our systems until this solution came along. What we now have is a secure, scalable platform that sets the pace. We can easily onboard new partners, support diverse financial products and manage high transaction volumes now. And the best part is we made the switch without missing a beat."

Chief Strategy Officer

National pension and financial inclusion organization

“We had tried multiple vendors and were running out of options until this platform proved what true operational alignment looks like. It brought together our field teams, branches, and management on one reliable system, even in areas with poor connectivity. The solution has stood true to our expectations from rollout to performance.”

Chief Operating Officer

Large-scale microfinance institution in India

“We needed a system that could match our pace and purpose and VolkSoft delivered. The MELMS platform gave us the agility to serve micro-enterprises more efficiently, with full control over our workflows and seamless integration into our operations. It has truly strengthened how we support small businesses.”

Head of Technology

Government-backed MSME-focused financial institution

“The simplicity of VolkSoft mobile lending solution was its biggest strength. Our field executives could start using it right away, and within weeks, we saw faster collections, better order accuracy, and fewer errors. It made a real difference in our ability to serve Kirana stores efficiently.”

Head of Field Operations

MSME-focused lending institution

The Right Solution Awaits

Ready to see what MicroSure can do for you? Let’s connect.







    Founded in 2002, by a group of passionate and experienced software professionals, VolkSoft has come a long way since its inception.