Introduction 

A large lending company desired to build API platform to provide services for any kind of loan origination. Create microservices with security breaking monolith paradigm. Re-engineered to handle 10X volume with scalability and availability. Pay-As-You-Go model for all the clients to leverage loan origination.

• Customer status traceability

• Monetize APIs by partner

• Cross selling tools

• Doc management through CMS

• Data feed for underwriting

• Event-driven paradigm

Technological Framework:

Why this setup?

.NET Core microservices on Linux deliver performance and modularity for 10X volume, while MuleSoft API Management enables tiered monetisation, throttling, and rapid partner onboarding via a Pay-As-You-Go model.

Why this setup?

Kubernetes and Terraform provide fully automated, scalable infrastructure with security baked in from the start — reducing deployment time and ensuring compliance across all partner environments.

Why this setup?

Standardised API connectors and CMS integrations reduce onboarding time for new lending partners from months to days, enabling the 16+ partner onboardings achieved to date.

Takeaway

Zapcom modernised a monolithic loan origination platform into a scalable, API-monetised microservices architecture — enabling 16+ partner onboardings, 4X faster integration, 60% infrastructure cost reduction, and 32+ active loan servicing channels.