Every retailer's own lending engine — without becoming a lender.
LOS gives retailers the infrastructure to offer EMI directly to their customers, backed by DPanda's NBFC and fintech lender network. No in-house credit team, no separate integration per bank — one system, multiple lenders, one approval flow.
Brands selling on DPanda
...and 5,000+ more brands across every category
Lender network includes
Good intent. Lost sales. Don't let financing be the reason.
In-Store Friction
Long queues, slow verification and paperwork push customers away at the exact moment they were ready to buy.
Limited Credit Access
Single-lender dependency means more rejections and less choice for the customer in front of you.
Lost Digital Checkouts
63% of customers abandon checkout when EMI isn't offered — a gap LOS exists specifically to close.
Low Retailer Visibility
Brands can't see which stores are active or driving finance-led sales — LOS makes that visible end to end.
You fund your dealer's lending. Don't let it finance someone else's products.
A common pattern with EV and mobile distributors: you give your dealer network a lending system, backed by your own FLDG. The dealer then uses that same credit line to finance any brand they sell — not just yours. LOS closes that gap by tying every underwritten loan to the dealer's own inventory and billing records, so financing you fund only ever moves your stock.
The Leakage Problem
You back a dealer's lending capacity with your own FLDG so they can offer EMI on your products. Once that credit line exists, nothing stops the dealer from using it to finance a competitor's product sold from the same counter — your risk capital, someone else's sale.
The Fix: Inventory & Billing Integration
LOS integrates directly with the dealer's existing inventory and billing system. Every loan application is checked against what's actually being sold — if it isn't your SKU, it isn't financed on your line. No manual audits, no trust-based enforcement.
LOS APIs, Your Own Stack
Distributors who already run their own dealer-facing tools integrate LOS as an API layer underneath, rather than replacing what dealers are used to.
Purchase Finance, Both Legs
Beyond consumer EMI, LOS also finances the upstream purchase — manufacturer or distributor selling to dealer, and dealer selling to consumer — so working capital isn't the bottleneck on either side of the same sale.
From integration to a completed loan, in five steps.
Integrate LOS
Enable in stores, online, or through outreach campaigns — no hardware needed.
Customer applies
A 2-minute digital EMI application from any device.
Lender routing
Application is intelligently routed to 8+ lenders in real time.
Approval & checkout
Customer completes EMI checkout — no paperwork, no branch visit.
Track & grow
Monitor leads, approvals and conversions from one dashboard.
What retailers usually ask about LOS.
What is a loan origination system for retailers?
A loan origination system (LOS) is the software layer that takes a customer from "I want EMI" to an approved, disbursed loan — collecting the application, routing it to lenders, and managing approval, without the retailer needing its own credit or risk team. DPanda's LOS does this specifically for retail point-of-sale and online checkout, backed by partner NBFCs and banks rather than a single in-house lender.
Does a retailer need an NBFC licence to offer EMI?
No. That's the point of a retailer lending platform like LOS — the retailer plugs into DPanda's existing NBFC and bank lender network instead of becoming a regulated lender itself. DPanda holds the lender relationships and compliance overhead; the retailer just offers EMI at checkout.
How is this different from a single-bank EMI tie-up?
A single-bank tie-up only approves customers who qualify with that one lender — every rejection is a lost sale. LOS routes each application across 8+ NBFCs and banks in real time, so a customer rejected by one lender can still be approved by another, which is why approval rates run well above a typical single-lender setup.
Can LOS work alongside an existing ONDC FIS12 lending setup?
Yes — LOS is compatible with ONDC's FIS12 financial-services protocol, so retailers already selling through ONDC can add EMI lending without a separate integration.
Pay-as-you-grow. No upfront lock-in.
Platform Licensing & Setup
No fee — Year 1
Maintenance & Support
NIL
Payment Gateway
As per actuals
Transaction Commission
Connect with us
LOS is the engine, checkout is the front door.
Every EMI option a customer sees during checkout, online or in-store, is approved through LOS — making it the lending layer for the entire rail.
Bring LOS to your stores.
Tell us how many stores or what ticket size you're working with, and our lending team will set up onboarding.