Retail loans should not wait weeks for a decision. ForgeLOS takes them from application to sanction on one platform.
Built on Oracle APEX by TECH ECS, with 18 years in the Oracle space. Rules-driven credit assessment, automated decisioning and a full audit trail, configured to your own credit policy.
Borrowers go to whoever says yes first.
From Mumbai to Dubai, retail lenders face the same pressure: decide faster without loosening credit discipline. Fragmented hand-offs, manual eligibility checks and document chasing slow every application down. ForgeLOS puts your credit policy into the system, so every branch makes the same decision on the same applicant.
Everything a retail loan needs, from first form to sanction letter.
ForgeLOS covers the full origination lifecycle in one Oracle APEX application, with every rule, threshold and reason value configurable by your team.
Application and applicant data
Create applications and capture applicant, loan amount, tenure and product details in structured grids for income, assets, employer, liabilities and guarantors.
Product-aware data capture
Home, vehicle and personal loans each show only the fields that matter, from property and vehicle details to employer and guarantor information.
Document mandates and review
Required documents are set by product and rule. Officers upload, review and record verification status against each application.
A workflow that routes itself
Stage-based routing, automatic task assignment by role, pass or fail outcomes and controlled rework back to the exact step, with a recorded reason.
Credit assessment
Credit score, peak DPD and overdue amount are evaluated automatically against the thresholds in your credit policy.
DBR and FOIR, calculated
Debt Burden Ratio and FOIR are calculated from income, EMI and liability data, so repayment capacity is assessed the same way every time.
Rules-driven decisioning
Credit, FOIR and recommendation factors combine into an eligibility decision, maximum EMI, maximum loan amount and maximum sanctionable amount.
AI-assisted recommendation
An AI-assisted view supports underwriters and approvers. The final decision always stays with your people.
Pre-approval and sanction letters
Letters are generated dynamically from application data and configurable templates. Consistent wording, correct figures, no re-keying.
Seven roles, one connected chain.
Every user sees the screens, actions and data that match their role and the application's current stage, nothing more.
Capture and verify
Getting complete, clean applications in the door.
- Data Entry: application initiation, data capture and document collection
- Branch Loan Officer: rule-based scoring on parameters such as age, education and marital status, plus document review
Assess and recommend
Consistent credit judgement, backed by the numbers.
- Underwriter: credit assessment, FOIR and DBR analysis, CPV review and recommendation
- CAD Manager: post-approval documentation, loan number generation and CAD processing
Decide and oversee
Clear approvals and full visibility at every level.
- Branch Manager: consolidated decision summary, approval or rejection with reasons
- Regional Manager: regional monitoring and applicable approvals
- System Administrator: configuration, master data, users and roles
Built, implemented and supported by one team.
ForgeLOS comes from the same TECH ECS team that has delivered and run Oracle estates for 18 years, and we stay with the platform after go-live.
18 years in the Oracle space
Deep experience across Oracle Applications, Database and Infrastructure, now applied to retail lending.
Your policy, configured
Credit bands, DBR and FOIR thresholds, rejection reasons and products live in master data, not in code.
Managed Services after go-live
Managed Services is our flagship. We support, tune and evolve ForgeLOS as your lending book grows.
Ready to integrate
Designed to connect through APIs with core banking, credit bureaus, document and OCR, AI and notification services.
Control built in
Role-based access, stage-based controls and a full decision history make every approval traceable.
Global delivery footprint
Headquartered in DIFC, Dubai, with an Offshore Delivery Centre in India and operations across the GCC, India, Singapore and the USA.
Designed to fit your lending ecosystem.
See every application. Explain every decision.
Operational visibility and auditability are part of the product, not an add-on.
Nothing waits unnoticed
Know where every application sits and how long it has been there.
- Pending duration tracked at every workflow stage
- SLA status classified as Normal, At Risk or SLA Breached against your TAT thresholds
- Dashboards of volumes, stages, statuses and outcomes
- Pending, approved and rejected views by role, branch, region and tenant
Every action on record
Controls that hold up when a decision needs explaining later.
- Role-based access to screens, actions and data
- Stage-based controls and stage-wise reason values that block invalid selections
- Decision history of key decisions, status changes and workflow actions
- Multi-tenant readiness with tenant-level data segregation and access control
From first demo to live lending, with one team.
Tailored demo
ForgeLOS shown on your own loan products, such as home, vehicle or personal loans.
Policy mapping
We map your credit rules, DBR and FOIR thresholds and approval matrix into ForgeLOS.
Configure and integrate
Products, roles and master data configured, and connections set up to your core and bureau systems.
Pilot
Go live on a single product or branch, measure, and refine before scaling.
Roll out and support
Scale across branches and products, backed by TECH ECS Managed Services.
How many hand-offs does a retail loan pass through at your bank today?
See how ForgeLOS routes, assesses and decides every application, live on 11 November.
Why ForgeLOS is built on Oracle APEX.
ForgeLOS runs on the Oracle technology many banks already trust, so it fits your estate instead of adding another stack.
Inside Oracle Database
Runs where your data already lives, on the database your bank already trusts.
Low-code changes
Rules, screens and workflows change faster than in heavily customised suites.
Enterprise security
Inherits the security model of the Oracle Database stack.
On-premises or OCI
Deploy in line with your data residency and regulatory requirements.
The details, up front.
What is ForgeLOS?
ForgeLOS is a retail loan origination system from TECH ECS, built on Oracle APEX. It manages the full lifecycle from application and documents through credit assessment, decisioning, underwriting and approval to sanction letters, reporting and audit.
Which loan products does it support?
Home, vehicle and personal loans are supported out of the box, each with its own product-specific fields and document mandates. Products and rules are configurable through master data.
Can we use our own credit policy?
Yes. Credit score bands, peak DPD, overdue limits, DBR and FOIR thresholds, rejection reasons and approval rules are all configured to your policy rather than hard-coded.
Does the AI make lending decisions?
No. ForgeLOS presents an AI-assisted recommendation to support underwriters and approvers. The final decision stays with your people, and every decision is recorded in the audit history.
How does it integrate with our existing systems?
ForgeLOS is designed to integrate through APIs with core banking systems, credit bureau services, document and OCR services, AI services, notification services and other enterprise platforms.
Can several institutions share one deployment?
ForgeLOS is designed for multi-tenant use, with tenant-level data segregation, access control, configuration and security. The deployment architecture is confirmed with each customer during design.