Connected lending
One Stack
One Truth
Connected lending
One Stack
One Truth
AI-Native Lending Platform.
Audit-Ready by Design.
AI-Native Lending Platform.
Connected lending
One Stack
One Truth
Connected lending
One Stack
One Truth
Lokta.ai integrates LOS, LMS, and Collections on a single data ontology, powered by workflow AI and outcome-driven agents with full governance.
Solutions
Solutions
Solutions
Connected building blocks for modern lending
Replace brittle point solutions with one connected platform, so every team operates on the same truth, and AI can act with real context.
Product & policy setup
Launch new products, fees, schedules, and disclosures with configuration-first controls.
Product & policy setup
Launch new products, fees, schedules, and disclosures with configuration-first controls.
Product & policy setup
Launch new products, fees, schedules, and disclosures with configuration-first controls.
Origination & underwriting
Digital journeys, KYC/verification flows, and credit memos—with human approvals where needed.
Origination & underwriting
Digital journeys, KYC/verification flows, and credit memos—with human approvals where needed.
Origination & underwriting
Digital journeys, KYC/verification flows, and credit memos—with human approvals where needed.
Loan Servicing & Portfolio Management
Schedules, accruals, payments, moratoriums, and state transitions you can audit.
Loan Servicing & Portfolio Management
Schedules, accruals, payments, moratoriums, and state transitions you can audit.
Loan Servicing & Portfolio Management
Schedules, accruals, payments, moratoriums, and state transitions you can audit.
Smart collections & recovery
Strategies, allocations, communications, PTP tracking, and exception handling in one console.
Smart collections & recovery
Strategies, allocations, communications, PTP tracking, and exception handling in one console.
Smart collections & recovery
Strategies, allocations, communications, PTP tracking, and exception handling in one console.
Reconciliation & accounting
Match settlements, resolve breaks, and keep books clean across payment rails and partners.
Reconciliation & accounting
Match settlements, resolve breaks, and keep books clean across payment rails and partners.
Reconciliation & accounting
Match settlements, resolve breaks, and keep books clean across payment rails and partners.
Partner & co-lending hub
Onboard partners, manage obligations/splits, and generate partner-ready MIS.
Partner & co-lending hub
Onboard partners, manage obligations/splits, and generate partner-ready MIS.
Partner & co-lending hub
Onboard partners, manage obligations/splits, and generate partner-ready MIS.
Two AI layers. One governed system.
Two AI layers. One governed system.
Two AI layers.
One governed system.
Most AI fails because it’s either a chatbot with no control, or automation with no context. Lokta delivers both safely.
Workflow AI Assistants
Draft, verify, explain, and summarize inside workflows (docs, underwriting packs, servicing, collections, reconciliation). Grounded in your policies and data.
End-to-End AI Lending Agents
Stateful agents that coordinate multistep processes, triggered by events, routed through approvals, and fully logged for audit.
Features
Features
Features
Deterministic core. Governed AI on top.
Lokta uses AI in two ways. In-workflow AI lending assistants accelerate day-to-day loan processing. End-to-end lending specific AI agents orchestrate outcomes across systems. Regulated decisions remain controlled through policies, approvals, and audit trails.
Smart document intake
Extract and validate KYC, statements, and contracts, then generate evidence-backed KYC & document summaries your teams can review, approve, and audit.
Smart document intake
Extract and validate KYC, statements, and contracts, then generate evidence-backed KYC & document summaries your teams can review, approve, and audit.
Smart document intake
Extract and validate KYC, statements, and contracts, then generate evidence-backed KYC & document summaries your teams can review, approve, and audit.
Workflow & rule engine
Configurable approvals, SLAs, state machines, and exception queues, so assistants and agents operate within your guardrails.
Workflow & rule engine
Configurable approvals, SLAs, state machines, and exception queues, so assistants and agents operate within your guardrails.
Workflow & rule engine
Configurable approvals, SLAs, state machines, and exception queues, so assistants and agents operate within your guardrails.
Connected lending ontology
A shared data model across LOS, LMS, Collections, Recon, so every decision, workflow, and report is grounded in the same truth.
Connected lending ontology
A shared data model across LOS, LMS, Collections, Recon, so every decision, workflow, and report is grounded in the same truth.
Connected lending ontology
A shared data model across LOS, LMS, Collections, Recon, so every decision, workflow, and report is grounded in the same truth.
Audit & compliance console
Policy versions, approvals, decisions, and actions fully logged, reviewable, and explainable for internal reviews and audits.
Audit & compliance console
Policy versions, approvals, decisions, and actions fully logged, reviewable, and explainable for internal reviews and audits.
Audit & compliance console
Policy versions, approvals, decisions, and actions fully logged, reviewable, and explainable for internal reviews and audits.
APIs & observability
Event-Driven APIs, webhooks, and built-in monitoring, so integrations stay reliable, failures surface early, and operations don’t become a fire drill.
APIs & observability
Event-Driven APIs, webhooks, and built-in monitoring, so integrations stay reliable, failures surface early, and operations don’t become a fire drill.
APIs & observability
Event-Driven APIs, webhooks, and built-in monitoring, so integrations stay reliable, failures surface early, and operations don’t become a fire drill.
Integrations
Integrations
Integrations
Fits into your existing lending software ecosystem
KYC & verification
Connect identity, CKYC, DigiLocker, and verification providers.
KYC & verification
Connect identity, CKYC, DigiLocker, and verification providers.
KYC & verification
Connect identity, CKYC, DigiLocker, and verification providers.
Credit bureaus
Pull bureau signals and push decisions with full audit trails.
Credit bureaus
Pull bureau signals and push decisions with full audit trails.
Credit bureaus
Pull bureau signals and push decisions with full audit trails.
Payments & mandates
UPI, PGs, NACH/eMandates—mapped cleanly to loan state transitions.
Payments & mandates
UPI, PGs, NACH/eMandates—mapped cleanly to loan state transitions.
Payments & mandates
UPI, PGs, NACH/eMandates—mapped cleanly to loan state transitions.
Banking & statements
Account Aggregator and statement sources for underwriting and monitoring.
Banking & statements
Account Aggregator and statement sources for underwriting and monitoring.
Banking & statements
Account Aggregator and statement sources for underwriting and monitoring.
CRM & ticketing
Sync leads, cases, and customer interactions across systems.
CRM & ticketing
Sync leads, cases, and customer interactions across systems.
CRM & ticketing
Sync leads, cases, and customer interactions across systems.
Data & BI
Stream events to your warehouse and power MIS + dashboards.
Data & BI
Stream events to your warehouse and power MIS + dashboards.
Data & BI
Stream events to your warehouse and power MIS + dashboards.
How Our AI Lending Platform Works
How Our AI Lending Platform Works
How Our AI Lending Platform Works
Roll out in phases:
Platform, Assistants, then Agents.
Start with a connected core, deploy workflow assistants where you feel the pain first, then graduate to end to end agents, without a big-bang rewrite.
Connect systems
Bring KYC, bureau, payments, partner feeds, and internal data via APIs and events.
Connect systems
Bring KYC, bureau, payments, partner feeds, and internal data via APIs and events.
Connect systems
Bring KYC, bureau, payments, partner feeds, and internal data via APIs and events.
Configure guardrails
Define schedules, fees, accounting, approvals, and guardrails in one place.
Configure guardrails
Define schedules, fees, accounting, approvals, and guardrails in one place.
Configure guardrails
Define schedules, fees, accounting, approvals, and guardrails in one place.
Operate with clarity
Run servicing, collections, recon, and compliance with audit-ready workflows.
Operate with clarity
Run servicing, collections, recon, and compliance with audit-ready workflows.
Operate with clarity
Run servicing, collections, recon, and compliance with audit-ready workflows.
Q&A
Frequently Asked Questions (FAQs) About Lokta's Lending Stack
Quick answers on rollout, compliance, AI, and integrations.
Do you have customers using the product?
We’re currently building the core platform and plan to launch our MVP in April 2026. We’re actively looking for a small set of co-build partners who want to get ahead of the curve—by shaping and adopting the next-decade lending stack early.
Will you customize features for us if we become a co-design partner?
How big is your team?
You mention AI several times — what does it mean?
Can you support co-lending and partner settlements?
What if I need a custom AI workflow?
Q&A
Frequently Asked Questions (FAQs) About Lokta's Lending Stack
Quick answers on rollout, compliance, AI, and integrations.
Do you have customers using the product?
We’re currently building the core platform and plan to launch our MVP in April 2026. We’re actively looking for a small set of co-build partners who want to get ahead of the curve—by shaping and adopting the next-decade lending stack early.
Will you customize features for us if we become a co-design partner?
How big is your team?
You mention AI several times — what does it mean?
Can you support co-lending and partner settlements?
What if I need a custom AI workflow?
Q&A
Frequently Asked Questions (FAQs) About Lokta's Lending Stack
Quick answers on rollout, compliance, AI, and integrations.
Do you have customers using the product?
We’re currently building the core platform and plan to launch our MVP in April 2026. We’re actively looking for a small set of co-build partners who want to get ahead of the curve—by shaping and adopting the next-decade lending stack early.
Will you customize features for us if we become a co-design partner?
How big is your team?
You mention AI several times — what does it mean?
Can you support co-lending and partner settlements?
What if I need a custom AI workflow?
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.
Co-build the next-decade lending stack with Lokta
We’re onboarding a small group of design partners ahead of our April 2026 MVP. Bring your lending workflow, constraints, and goals—help shape the roadmap and get early access to a governed, audit-ready, AI-first platform.