</noscript> <!--LeadSquared Tracking Code Start--> <script type="text/javascript" src="https://web-in21.mxradon.com/t/Tracker.js"></script> <script type="text/javascript"> pidTracker('67885'); </script> </div><div><div><section class="InnerCommonBanner_commonbanner__GlDhs InnerCommonBanner_ziva_banner__Uj3VO false false false false false false false false false false false false false false false false "><div class="InnerCommonBanner_banner_img__fMULU"></div><div class="container "><div class="InnerCommonBanner_cont_wrapper__PFBBP "><div class="overflow-hidden InnerCommonBanner_wrapsubtitle__GLOyN"><h1 class="InnerCommonBanner_subtitle__yeEY9">Novac Ziva®</h1></div><div class="overflow-hidden InnerCommonBanner_wrapheading__D7p7q"><h2 class="InnerCommonBanner_heading__W5vYn">Unleash the Potential of Digital Lending Excellence with Ziva®</h2></div><div class="overflow-hidden InnerCommonBanner_wraptext__0Uozm"><p class="InnerCommonBanner_text__m7_0d">An end-to-end digital lending solution with unrivaled performance</p></div><div class="overflow-hidden"><a class="btn btn-ziva " href="/book-a-demo">Book a Demo</a></div></div></div></section></div><div><section class="ZivaRightBlocks_ziva_future__iLoAl "><div class="ZivaRightBlocks_top_right_bg__tWfuf"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/future_bg1.png"/></div><div class="ZivaRightBlocks_bottom_left_bg__SZd12"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/future_bg2.png"/></div><div class="container"><div class="ZivaRightBlocks_BreadCrumbs_wrap__myUBJ"><div class="BreadCrumbs_breadcrumbs_wrap__rglSh pt-lg-5 pt-4"><nav aria-label="breadcrumb"><ol class="breadcrumb"><li class="breadcrumb-item"><a href=" /"><div class="BreadCrumbs_bread_wrap__Deoy_"><svg class="BreadCrumbs_bottomicon__7nu9c" viewBox="0 0 1060 1024" style="display:inline-block;stroke:currentColor;fill:currentColor;width:15;height:15"><path d="M401.032 1005.755v-307.032c-0-0.022-0-0.047-0-0.073 0-10.077 8.169-18.245 18.245-18.245 0 0 0 0 0 0l221.133 0c0-0 0-0 0-0 10.077 0 18.245 8.169 18.245 18.245 0 0.026-0 0.051-0 0.077l0-0.004v306.959c0 10.077 8.169 18.245 18.245 18.245v0h225.439c10.077 0 18.245-8.169 18.245-18.245v0-478.684c-0-0.022-0-0.047-0-0.073 0-10.077 8.169-18.245 18.245-18.245 0 0 0 0 0 0l102.174 0c0.016 0 0.036 0 0.055 0 10.077 0 18.245-8.169 18.245-18.245 0-5.306-2.265-10.083-5.881-13.417l-0.013-0.011-511.161-472.116c-3.252-3.001-7.615-4.841-12.407-4.841s-9.155 1.84-12.419 4.853l0.013-0.011-511.526 472.116c-3.629 3.345-5.894 8.122-5.894 13.429 0 10.077 8.169 18.245 18.245 18.245 0.019 0 0.039-0 0.058-0l-0.003 0h102.174c0-0 0-0 0-0 10.077 0 18.245 8.169 18.245 18.245 0 0.026-0 0.051-0 0.077l0-0.004v478.757c0 10.077 8.169 18.245 18.245 18.245v0h225.804c10.077 0 18.245-8.169 18.245-18.245v0z" fill="rgb(173, 173, 173)"></path></svg></div></a></li><li class="breadcrumb-item BreadCrumbs_linkclose__uAlET "><a href="#" role="button" tabindex="0">Platforms</a></li><li class="breadcrumb-item"><a href=" /ziva"><div class="BreadCrumbs_bread_wrap__Deoy_">Novac Ziva®</div></a></li></ol></nav></div></div><div class="row align-items-center ZivaRightBlocks_content_wraper__rwByG"><div class="col-lg-6 pe-xxl-5 ZivaRightBlocks_topWrap__nssWq"><h2 class="h2 gradient-text-green ZivaRightBlocks_title__r1s17">Future-proof your Lending Enterprise with <span>Ziva®</span></h2><p>The rise of digital has transformed the financial services industry, bringing new challenges to existing players and new entrants alike. Managing the change successfully to a digital-first, mobile-first, customer-centric model is vital for long-term growth. As each company is unique in its own way, this journey requires different approaches.</p><p>Novac Ziva® is a cloud lending management software with a comprehensive modules suite designed to cater to the requirements of lending businesses of all sizes across various spectrums.</p></div><div class="col-lg-6"><div class="ZivaRightBlocks_right_wrapper__mpw29"><div class="undefined ZivaRightBlocks_colm__95tSf"><div style="--anim-index:0s" class="animate-fadein "><a class=" text-black ProductLinkCard_box_wrap__g8aPu ProductLinkCard_zivabox__6gzZ4 " href="/undefined"><figure class="ms-auto ProductLinkCard_shape_figure__uYh9R"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/product1_d0184ff667.svg"/></figure><div class="ProductLinkCard_content__AbY4U"><h3 class="ProductLinkCard_title__pi1FW">NBFCs</h3><p></p></div></a></div><div style="--anim-index:0.2s" class="animate-fadein "><a class=" text-black ProductLinkCard_box_wrap__g8aPu ProductLinkCard_zivabox__6gzZ4 " href="/undefined"><figure class="ms-auto ProductLinkCard_shape_figure__uYh9R"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/product3_133f8c2351.svg"/></figure><div class="ProductLinkCard_content__AbY4U"><h3 class="ProductLinkCard_title__pi1FW">HFCs</h3><p></p></div></a></div></div><div class="ZivaRightBlocks_colm2__rVh6H ZivaRightBlocks_colm__95tSf"><div style="--anim-index:0s" class="animate-fadein "><a class=" text-black ProductLinkCard_box_wrap__g8aPu ProductLinkCard_zivabox__6gzZ4 " href="/undefined"><figure class="ms-auto ProductLinkCard_shape_figure__uYh9R"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/product4_67ca12fff2.svg"/></figure><div class="ProductLinkCard_content__AbY4U"><h3 class="ProductLinkCard_title__pi1FW">Retail Lenders</h3><p></p></div></a></div></div></div></div></div></div></section></div><div><section class="ZivaThreeBlockBox_ziva_platforms__Y_TA_"><div class="ZivaThreeBlockBox_platform_top_left__4FSYb"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/platform_top_left.png"/></div><div class="ZivaThreeBlockBox_platform_bottom_left__D3ZcZ"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/platform_bottom_left.png"/></div><div class="ZivaThreeBlockBox_platform_bottom_right__MyT4Z"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/platform_bottom_right.png"/></div><div class="container"><h2 class="ZivaThreeBlockBox_title__YJ5lq gradient-text-green-title"><span>Manage your entire loan lifecycle </span> with a single, intelligent, and change-ready platform</h2><div class="row pt-lg-5 pt-4"><div style="--anim-index:0s" class="col-lg-4 pb-4 animate-fadein "><div class="cell ZivaWhiteCard_ziva_whiteCard_wrapper___ER7E "><div class="ZivaWhiteCard_ziva_whiteCard__C_iZk "><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/platform1_fdb7d27770.svg"/></figure><div class="ZivaWhiteCard_cont_wrap__4fGYO"><h3 class="ZivaWhiteCard_title__Q5v_l">Comprehensive LOS </h3><p>Unlock the automation of various business activities involved in a loan processing system with a one-point loan origination software</p></div></div><aside class="follower" style="left:-100px%;top:-100px%"></aside></div></div><div style="--anim-index:0.2s" class="col-lg-4 pb-4 animate-fadein "><div class="cell ZivaWhiteCard_ziva_whiteCard_wrapper___ER7E "><div class="ZivaWhiteCard_ziva_whiteCard__C_iZk "><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/platform2_f176d65a1b.svg"/></figure><div class="ZivaWhiteCard_cont_wrap__4fGYO"><h3 class="ZivaWhiteCard_title__Q5v_l">Supports The Entire Acquisition Lifecycle </h3><p>From the customer’s onboarding to the underwriter’s decision on the loan disbursement, the acquisition lifecycle tracks all</p></div></div><aside class="follower" style="left:-100px%;top:-100px%"></aside></div></div><div style="--anim-index:0.4s" class="col-lg-4 pb-4 animate-fadein "><div class="cell ZivaWhiteCard_ziva_whiteCard_wrapper___ER7E "><div class="ZivaWhiteCard_ziva_whiteCard__C_iZk "><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/platform3_875695c923.svg"/></figure><div class="ZivaWhiteCard_cont_wrap__4fGYO"><h3 class="ZivaWhiteCard_title__Q5v_l">Seamless Mobility </h3><p>Mobile platforms enabling relationship executives to onboard customers, create opportunities, loan sanctions, and more.</p></div></div><aside class="follower" style="left:-100px%;top:-100px%"></aside></div></div></div></div></section></div><div><section class="ZivaManagement_ziva_management__3ee3C"><div class="ZivaManagement_top_right_bg__C_Tib"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/manage_bg2.png"/></div><div class="ZivaManagement_bottom_right_bg__uQDfT"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/manage_bg1.png"/></div><div class="container"><h2 class="undefined "><span> Effortlessly optimize </span> loan processes, enhance risk assessment, and create unparalleled customer experiences with Ziva®</h2><div class="row overflow-hidden"><div style="--anim-index:0s" class="animate-fadein col-lg-6 ZivaIconTextCard_wraper_zivatext__BcmQr false "><div class="ZivaIconTextCard_ziva_icon_text_card__AIXpg"><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mange1_1_1f0bb673c9.svg"/></figure><div><h3 class="ZivaIconTextCard_title__n8PFa">Loan Origination</h3><p>Ziva®’s loan origination module is an advanced workflow system built on microservices architecture. It is fully automated , parameterized, and powered by a business rule engine. </p><div class="overflow-hidden"><a class="btn btn-ziva btn-ziva " href="/loan-origination-system">Know More</a></div></div></div></div><div style="--anim-index:0.1s" class="animate-fadein col-lg-6 ZivaIconTextCard_wraper_zivatext__BcmQr false "><div class="ZivaIconTextCard_ziva_icon_text_card__AIXpg"><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mange2_3cddb2b058.svg"/></figure><div><h3 class="ZivaIconTextCard_title__n8PFa">Loan Servicing</h3><p>This module contains the requests for Tenure/Due Date change, part prepayment, loan closure, and recovery management functionalities. It also allows loan services to manage risk, provide better customer service, and address default management challenges.</p><div class="overflow-hidden"><a class="btn btn-ziva btn-ziva " href="/loan-servicing-solutions">Know More</a></div></div></div></div><div style="--anim-index:0.2s" class="animate-fadein col-lg-6 ZivaIconTextCard_wraper_zivatext__BcmQr false "><div class="ZivaIconTextCard_ziva_icon_text_card__AIXpg"><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mange3_0d3c93c571.svg"/></figure><div><h3 class="ZivaIconTextCard_title__n8PFa">Product Management</h3><p>The product management module enables the rapid launch of new products across the lending company based on business norms. It also contains segment-specific offerings and multilevel pricing flexibility.</p><div class="overflow-hidden"><a class="btn btn-ziva btn-ziva " href="/product-management-module">Know More</a></div></div></div></div><div style="--anim-index:0.30000000000000004s" class="animate-fadein col-lg-6 ZivaIconTextCard_wraper_zivatext__BcmQr false "><div class="ZivaIconTextCard_ziva_icon_text_card__AIXpg"><figure><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mange4_55d063b254.svg"/></figure><div><h3 class="ZivaIconTextCard_title__n8PFa">Collection Management</h3><p>This module facilitates the collection of monthly repayments, generating statements, and statements of accounts, following up on delinquencies, and maintaining records of payments and balances.</p><div class="overflow-hidden"><a class="btn btn-ziva btn-ziva " href="/collection-management">Know More</a></div></div></div></div></div></div></section></div><div><section class="ZivaMobileApp_ziva_mobile_app__FEpMb"><div class="ZivaMobileApp_top_left_bg__BlVcD"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/mobappbg1.png"/></div><div class="ZivaMobileApp_bottom_right_bg__u9Rue"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/mobappbg2.png"/></div><div class="container"><h2 class="ZivaMobileApp_title__MfFE8 h2 gradient-text-green-title"> <span> mZiva </span> - Elevate your lending prowess with our Mobile Apps</h2><div class="row"><div class="col-lg-6"><div class="ZivaMobileApp_image_Wraper__A9AWE"><figure class="ZivaMobileApp_image_wrap__Gf_nh"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mob_app_new_e7ed0212ce.png"/></figure></div></div><div class="col-lg-6 pt-4 pt-lg-4"><div style="--anim-index:0s" class="animate-fadein ZivaMobileApp_ziva_icon_text__XXsY7 "><figure><img alt="image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mob_app1_2662809d66.svg"/></figure><div><h3 class="ZivaMobileApp_title__MfFE8">For Field Officers</h3><div><p>The application enables field officers and customer support technicians in streamlining the lending process from loan application creation to credit approval through the loan origination module.</p><p>The mobile app also contains Google coordinates and an in-built day planner for faster and easier access to approving loans anywhere, anytime.</p></div></div></div><div style="--anim-index:0.2s" class="animate-fadein ZivaMobileApp_ziva_icon_text__XXsY7 "><figure><img alt="image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/mob_app2_3c205e1e94.svg"/></figure><div><h3 class="ZivaMobileApp_title__MfFE8">For Customers/Borrowers</h3><div><p>The mZiva app, designed for B2C customers/borrowers, offers a wide range of functionalities, including checking loan application status, exploring payment choices, accessing loan top-ups, and more</p></div></div></div></div></div></div></section></div><div><div class="ZivaWork_animation_wrapper__UFkcr "><div class="ZivaWork_top_right_bg__d3VsF"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/ziva_work2.png"/></div><div class="ZivaWork_bottom_left_bg__RIFrO"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/ziva_work1.png"/></div><section class="ZivaWork_ziva_work__er_8d"><div class="container "><h2 class="ZivaWork_title_head__wFqQN h2 text-center">How does Ziva® work?</h2></div></section></div></div><div><section class="ZivaStandOut_ziva_stand_out__sfhd7"><div class="ZivaStandOut_top_left_bg__M502N"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/standout_bg.png"/></div><div class="container"><div class="row"><div class="col-lg-5"><div class="ZivaStandOut_left__5mACz"><h2 class="ZivaStandOut_title__foCC4 h2 ">What makes Ziva® <span>Stand Out</span></h2><p>Ziva® helps businesses to meet their goals with a lending ecosystem imparted with result-oriented features <!-- --> </p></div></div><div class="col-lg-7 pt-4 pt-lg-0"><ul class="ZivaStandOut_right__KglkI "><li class="ZivaStandOut_ziva_list__CFocZ">Ready to be deployed in Cloud</li><li class="ZivaStandOut_ziva_list__CFocZ">User-Driven Workflow Configuration</li><li class="ZivaStandOut_ziva_list__CFocZ">Product ready to market</li><li class="ZivaStandOut_ziva_list__CFocZ">Faster new product creation</li><li class="ZivaStandOut_ziva_list__CFocZ">AI-enabled Role-based dashboard</li><li class="ZivaStandOut_ziva_list__CFocZ">Integrated Accounting Engine</li><li class="ZivaStandOut_ziva_list__CFocZ">GUI-based system configuration</li><li class="ZivaStandOut_ziva_list__CFocZ">Compliance/ Risk Policies/ Eligibility</li><li class="ZivaStandOut_ziva_list__CFocZ">Multi-channel Interfacing capability</li><li class="ZivaStandOut_ziva_list__CFocZ">Document Mapping across modules</li><li class="ZivaStandOut_ziva_list__CFocZ">Mobility Origination module</li><li class="ZivaStandOut_ziva_list__CFocZ">Reporting and Business Analytics</li></ul></div></div></div></section></div><div><section class="ZivaBestPractice_ziva_best_practice__6qxzl"><div class="ZivaBestPractice_best_practice_bg__hO59W"><img alt="background Image" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="/images/ziva/best_practice_bg.png"/></div><div class="container"><div class="row pb-3"><div class="col-lg-6"><div class="ZivaBestPractice_left__HAQTU"><h2 class="h2 ZivaBestPractice_title__iFuln">Ziva® implements optimal practices across all lending aspects</h2><p>Ziva® leverages AI and cloud technologies to aid NBFCs and HFCs in accessing real-time financial data to make informed decisions. With Ziva’s implementation, our clients are experiencing a positive impact on tangible and intangible costs.</p></div></div><div class="col-lg-6 pt-3 pt-lg-0"><div class="ZivaBestPractice_right__tzHGT"><h3 class="ZivaBestPractice_value__D_uQH">20-30%</h3><h4 class="ZivaBestPractice_subtitle__lcWJ2">Reduction in</h4><ul class="ZivaBestPractice_list_wrap__UVWAr"><li> <!-- -->Loan Processing time<!-- --> </li><li> <!-- -->Time to set up deals<!-- --> </li><li> <!-- -->IT systems maintenance cost<!-- --> </li></ul></div></div></div></div></section></div><div><section class="ZivaLoanProduct_ziva_loanproduct__K_WQ2"><div class="container"><h2 class="ZivaLoanProduct_title__C52ZC text-lg-center h2 ">Designed for <span>Diverse Loan Products</span></h2><div class="row pt-51 ZivaLoanProduct_ziva_loanwrapper__3Cf99 "><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod1_2fb645c6da.svg"/></figure></div><h5>Vehicle loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod2_d05f4e2c48.svg"/></figure></div><h5>Trade Advance</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod3_f4ccac5ad1.svg"/></figure></div><h5>Two-wheeler loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod4_974ba5aa0e.svg"/></figure></div><h5>Housing loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod51_1e7cfbd63e.svg"/></figure></div><h5>Equipment Finance</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod6_463d89941c.svg"/></figure></div><h5>Loan Against property</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod7_4abffb620c.svg"/></figure></div><h5>Jewel loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod81_79928caeda.svg"/></figure></div><h5>SME Loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod91_d38fcf1fe7.svg"/></figure></div><h5>Consumer durables</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div class="ZivaThreeListCard_image_wrapper__qRCya"><figure class="ZivaThreeListCard_image_box__EdMaH"><img loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://cdn.novactech.com/prod101_03c2bbcc8b.svg"/></figure></div><h5>Top-up loan</h5></div></div><div class="col-lg-4 col-md-6 ZivaThreeListCard_ListCard__rFenA false false "><div class="ZivaThreeListCard_ListCardWrapper__kijZO"><div 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