**Live Demo:** http://finora.kiaantechnology.online/
# Finora – Modern Digital Lending Platform

Finora is a modern, white-label digital lending and loan origination web application built with React, Vite, and Tailwind CSS. Designed for fintech companies, NBFCs, and microfinance institutions, it provides a comprehensive interface for digital loan applications, KYC workflows, loan underwriting, customer management, repayment tracking, and portfolio analytics.

Customize the branding, company details, support contacts, regulatory information, and backend API endpoint configuration to adapt the interface to your lending business.

## Key Features

### Customer Experience
– **Multi-Step Loan Application:** Responsive application wizard with loan configuration and EMI estimation.
– **Digital KYC Workflows:** Simulated PAN verification, Aadhaar OTP verification, and webcam selfie capture with liveliness-check simulation.
– **Loan Offers and Sanction:** Credit assessment interface with interest calculations, processing fees, and downloadable sanction letters.
– **Customer Dashboard:** View loan balances, upcoming EMIs, and repayment information.
– **Payment Interface:** Mock UPI, debit card, and net banking payment flows.
– **Document Repository:** Access loan agreements, sanction letters, and payment receipts.
– **Support Ticketing:** Interface for customer queries and dispute resolution.

### Admin & Underwriting Console
– **Application Queue:** Review applications, inspect documents, view CIBIL score information, and access Maker-Checker approval workflows.
– **Loan Portfolio:** Track active, disbursed, delinquent, and closed loans.
– **Customer CRM:** Centralized customer records, KYC audit status, credit exposure, and transaction history.
– **Payment Monitoring:** View repayment records, transaction reference IDs, and reconciliation information.
– **Staff & Permissions:** Role-based interface for administrators, underwriters, credit analysts, and customer support staff.
– **Reports & Analytics:** Portfolio health indicators, collection performance, and disbursement summaries.

## White-Label Configuration

Configure the application using environment variables, including:
– Product and brand names
– Legal entity and tagline
– Support phone and email
– Partner and grievance email addresses
– Business address
– Backend API base URL

## Technology Stack
– React 18+
– Vite
– Tailwind CSS
– Lucide React
– Recharts
– React Hot Toast
– Headless UI and custom Tailwind components

## Installation

Requirements: Node.js 18+ and npm 9+.

1. Extract or clone the project.
2. Run `npm install`.
3. Copy `.env.example` to `.env` and customize the configuration.
4. Run `npm run dev` to start the development server.
5. Run `npm run build` to generate the production build in `dist/`.

## Demo Access

The application includes demonstration role flows:
– **Customer:** Access the customer portal, KYC, loan application, and payment interfaces.
– **Administrator:** Access the administrative console, underwriting, customer CRM, and reports.

## Important Notes

Finora includes simulated verification workflows and mock payment gateways for demonstration. Production deployment requires the appropriate backend APIs and integrations for identity verification, credit bureau checks, loan decisions, payment processing, secure data storage, and regulatory requirements. Verify all integrations and compliance requirements before using the platform for real lending operations.

## License

Commercial / Marketplace Distribution License. All rights reserved.

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