Banking SaaS · Multi-tenant · Regulated

Multi-tenant Loan
Origination System

Banking Client

End-to-end build of a multi-tenant banking SaaS covering the full loan lifecycle, from lead to disbursement, with bank-specific schema configuration, tenant isolation, and dual deployment from a single codebase.

1
Codebase, two deployments
Multi
Tenant bank isolation
Live
In production
Full
Lead to disbursement
The challenge

One platform that works differently for every bank

The challenge: genuine per-bank configuration at the schema level, not cosmetic settings, while maintaining a single codebase deployable as cloud SaaS or on-premises, with DPDP Act compliance built in from day one.

Architecture

Schema-level config with full tenant isolation

  • Tenant data isolation at the database level per bank
  • Schema-level product configuration covering actual business logic
  • Configurable approval chains per loan type per bank
  • DPDP Act compliance built into architecture from day one
  • Single codebase for cloud SaaS and on-premises
  • Environment-based infrastructure configuration layer
  • Full audit trail from lead creation to disbursement
  • Bank-specific fee and interest calculation rule engines
Architecture Diagram

Multi-tenant loan origination system

Schema-level per-bank configuration with full tenant isolation. Single codebase supporting both cloud SaaS and on-premises deployment, covering the full lead-to-disbursement lifecycle.

Architecture diagram: Multi-tenant loan origination platform TENANT LAYER Bank Tenant A Schema Config A Bank Tenant B Schema Config B Bank Tenant C Schema Config C ··· N tenants isolated API + CONFIG ENGINE .NET CORE API + TENANT CONFIG ENGINE Schema-level config · Tenant isolation · Approval chain builder · Fee calc rules · DPDP compliance LOAN LIFECYCLE SERVICES Lead Capture Application intake Assessment Credit · KYC · Docs Approval Workflow Configurable chains Disbursement Bank transfer · Audit DATA LAYER PostgreSQL: Per-tenant logical data isolation · Schema-level product config · Immutable audit trail DPDP Act compliant · Encrypted PII fields · Row-level tenant separation DEPLOYMENT ☁ Cloud SaaS Deployment Smaller banks · Fast onboarding 🏠 On-Premises Deployment Enterprise banks · Data residency 1 codebase
Tech stack

Production-grade engineering stack

React.NET CorePostgreSQLMulti-tenant archDual deploymentDPDP compliant

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