Implementation & configuration
We configure Zoho LOS around sector workflows, compliance, integrations and role-based dashboards, so the system matches how your teams work from day one.
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New · announced 23 September 2026✓ ERPHUBs · Zoho Authorized Partner
Zoho LOS: Loan Origination System for Banks, NBFCs & Insurers
Zoho LOS moves a loan from application to verification, decisioning and disbursement on a single platform. ERPHUBs helps lenders evaluate fit, map credit policy into workflows, plan integrations with bureaus and core systems, and train credit teams.
Works with:Zoho CRMZoho SignZoho AnalyticsZoho Books
What is Zoho LOS?
Zoho LOS is a loan origination system for banks, NBFCs and insurers. Announced by Zoho on 23 September 2026, it digitises the lending journey from application and verification through decisioning to disbursement, aiming for faster processing, consistent decisions, compliance and end-to-end visibility. A LOS covers a loan before disbursement; a loan management system (LMS) covers servicing after.
Loan origination is everything that happens before money leaves the lender: capturing an application, verifying the borrower, assessing credit, approving and disbursing. When this runs on email, spreadsheets and paper, approvals are slow, decisions vary between officers and audit trails are patchy.
A loan origination system (LOS) puts those steps into one governed workflow. It is not the same as a loan management system, which handles repayments, collections and servicing after disbursement. Settle that distinction before you shortlist vendors.
Key Capabilities
What Zoho LOS Does
Application capture
Structured digital applications replace paper forms and emailed documents, with all applicant data held in one record.
Verification
Verification steps built into the workflow so an application cannot progress with incomplete checks. Specific KYC and bureau integrations are scoped per lender.
Decisioning
Consistent, rule-driven credit decisions so similar applications are treated alike across officers and branches.
Disbursement
Approved loans move to disbursement within the same platform, without re-keying between systems.
Compliance and audit trail
Every action is logged for review, supporting regulatory expectations around digital lending.
End-to-end visibility
Managers see where each application sits, where it stalls and how long each stage takes.
Who It Is For
Who Should Consider Zoho LOS
Banks
Retail and business lending teams replacing manual, branch-level processing.
NBFCs
Personal, MSME, vehicle and other retail lenders that need speed with consistent credit policy.
Insurers
Zoho names insurers among the target users for lending workflows.
Fintechs and digital lenders
Scoped case by case, depending on product structure and partner integrations.
Problems It Solves
What Businesses Struggle With Today
Without it
Slow, manual approvals
Applications wait in inboxes and spreadsheets while borrowers go elsewhere.
Without it
Inconsistent credit decisions
Two officers reach different outcomes on similar applications.
Without it
Weak audit trails
Regulators and internal audit ask who approved what, and the answer is scattered.
Without it
No pipeline visibility
Leadership cannot see stuck applications or turnaround by stage.
Works With
Zoho Products That Pair With Zoho LOS
Zoho CRM
Lead, DSA and partner pipeline ahead of the application stage.
Zoho Sign
E-signature for sanction letters and loan agreements.
Zoho Analytics
Turnaround-time, approval-rate and portfolio dashboards.
Zoho Books
Finance and accounting alongside the lending business.
These pairings are ERPHUBs recommendations. Zoho confirms which integrations ship with Zoho LOS.
Choosing the Right Fit
Zoho LOS or a custom lending workflow on Zoho?
Zoho's platform can also host custom-built workflows, so it helps to decide early.
Choose Zoho LOS when
your products follow a standard origination journey and you want a purpose-built system rather than a custom build.
Consider a custom build when
your product structure is unusual, for example complex co-lending, and needs bespoke rules. ERPHUBs can compare both approaches.
Why ERPHUBs
Zoho LOS Implementation by a Zoho Authorized Partner
ERPHUBs is a Zoho Authorized Partner with a repeatable process for evaluation, configuration, integration, migration, testing, training and retainer support. Because Zoho LOS is newly announced, we begin with a fit assessment and a small pilot rather than a big-bang rollout.
- Honest fit assessment, including when a configured Zoho CRM, ERP or Creator build is the better choice
- India-ready setup: GST, local payment methods and regional messaging approvals
- Zero-downtime migration with parallel run and validation
- Role-based training and a retainer Zoho consulting partner after go-live
Our Zoho LOS Implementation Process
- 1
Fit assessment and workflow mapping
We check whether Zoho LOS is the right fit or whether a configured Zoho CRM, ERP or Creator build suits you better, and map your real workflows, staff roles and access rights.
- 2
Configuration and roles
Zoho LOS is configured for your structure, with permissions by designation, and tested on a pilot loan product or branch before wider rollout.
- 3
Data migration
We clean, map and validate applications, borrower records and credit policy documents from spreadsheets or your current LOS, then run old and new systems in parallel so work does not stop.
- 4
Integration and API work
We connect credit bureaus, KYC providers, payment rails, and your core banking system or LMS through Zoho Flow and custom API development.
- 5
Testing and user acceptance
Your team tests real scenarios end to end and signs off before go-live.
- 6
Training, handover and retainer support
Role-based training, documentation and hypercare, with ERPHUBs as your retainer Zoho consulting partner afterwards.
Status and sources. Lending is regulated. ERPHUBs configures workflows and integrations, but your compliance team owns credit policy and RBI obligations, and ERPHUBs does not give regulatory advice. Zoho announced LOS on 23 September 2026; feature depth, pricing and regulatory readiness should be confirmed before purchase.
Implementation with ERPHUBs
How ERPHUBs Implements Zoho LOS for Businesses Worldwide
Quick answer: ERPHUBs is a Zoho LOS implementation partner: an independent Zoho Consulting Partner and Authorized Partner with Zoho-certified professionals, and a Custom Solution Provider, that implements Zoho LOS end to end: requirements workshops, configuration of sector workflows, compliance, integrations and role-based dashboards, data migration, integrations, training and long-term support for businesses worldwide.
Customization & custom apps
When standard features fall short, our Zoho custom application developers extend Zoho LOS with Zoho Creator, Deluge functions, widgets and APIs.
Integration & data migration
Zoho LOS is connected with Zoho CRM, Zoho Books, Zoho Creator, Zoho Analytics and sector-specific systems, and your existing data is migrated and validated in a sandbox first.
Training, support & optimization
Role-based training, hypercare after go-live and continuing Zoho support and optimization from certified consultants.
Works with
Zoho CRMZoho BooksZoho CreatorZoho Analyticssector-specific systems
ERPHUBs delivers Zoho consulting, implementation, customization and support remotely and on-site across India, UAE & GCC, United States, United Kingdom, Europe, Canada, Australia & New Zealand, Singapore & Southeast Asia, Africa.
More Answers
Who can implement Zoho LOS for my business?
ERPHUBs by BizSetups is an independent Zoho Authorized and Consulting Partner with Zoho-certified professionals that implements, customizes, integrates and supports Zoho LOS for clients in India, the Middle East, the United States, the United Kingdom, Europe and beyond.
Can Zoho LOS be customized with custom applications?
Yes. As a Zoho Custom Application Developer, ERPHUBs builds custom modules, automation, portals and integrations around Zoho LOS using Zoho Creator, Deluge, Zoho Flow and APIs.
FAQ
Zoho LOS, Answered
Zoho LOS is a loan origination system for banks, NBFCs and insurers, announced by Zoho on 23 September 2026. It digitises the lending journey from application and verification to decisioning and disbursement on a single platform.
A loan origination system manages the loan before disbursement: application, verification, underwriting and approval. A loan management system manages it afterwards, including repayments, collections and servicing. Many lenders need both.
Zoho targets banks, NBFCs and insurers. Fintechs and digital lenders can be assessed case by case depending on product structure and integrations.
Integration needs vary by lender. ERPHUBs scopes API integrations with your core banking system, LMS, credit bureaus and KYC providers during assessment, and confirms what Zoho supports.
Zoho says the product is designed to help maintain compliance. Actual compliance depends on how your credit policy and workflows are configured, and your compliance team remains responsible. ERPHUBs does not give regulatory advice.
Pricing and rollout details were not confirmed in launch coverage at the time of writing (28 September 2026). ERPHUBs checks current availability with Zoho and quotes implementation separately.
Yes, and we recommend it. Starting with one product or branch lets your credit team validate rules, integrations and turnaround times before wider rollout.
Yes. ERPHUBs, a Zoho Authorized Partner, offers fit assessment, workflow configuration, integration planning, data migration, training and retainer support for lending teams.
Ready to Evaluate Zoho LOS?
Talk to a certified Zoho consultant about fit, pilot scope, data migration and timeline for your business.
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Singapore
Zoho LOS: Loan Origination System for Banks, NBFCs & Insurers for Singapore businesses
Planning Zoho LOS: Loan Origination System for Banks, NBFCs & Insurers in Singapore? We set it up for GST, SGD and the Nearest regional data centre (confirmed at signup) (zoho.com), then connect it to the banks, payment gateways and tools Singapore teams already use.
Configured for Singapore
Zoho Books Singapore edition (GST), SGD as base currency and GST (9%) set up before go-live.
Filing dates we plan around
30 November: Corporate income tax return (Form C-S / C); Annually: ACRA annual return
Connected locally
Typical connections here: DBS / OCBC / UOB statement import, InvoiceNow (Peppol), PayNow.
Support in your time zone
Mon-Fri 09:00-18:00 SGT. Typical first reply within 4 business hours.
Yes. The Singapore team configures it with the Zoho Books Singapore edition (GST), SGD and GST, and supports it Mon-Fri 09:00-18:00 SGT.
Zoho accounts for Singapore use the Nearest regional data centre (confirmed at signup) (zoho.com). We confirm the data centre with you before any migration or integration starts.