Lending and loan management software from application to final repayment
Digital applications, automated credit decisions, disbursement, repayment collection and portfolio reporting in one platform.
Lenders live and die by two numbers: how fast they can lend to good customers and how much they recover. Our loan management platform improves both.
- Fast, digital origination. Customers apply by app, web or agent. Documents and bank statements upload directly. Decisions are automated for low-risk cases.
- Consistent credit decisions. Policy rules and credit scoring are applied the same way every time, with manual review for exceptions.
- Clean servicing. Repayment schedules, interest and fee calculations, restructures and early settlements are handled accurately.
- Effective collections. Automated reminders, direct debit and payment links, with prioritised worklists for collectors.
The platform supports consumer, SME, payroll-backed, asset finance and group lending products. It suits banks, microfinance banks, licensed lenders, cooperatives and employers running staff loan schemes.
Key features
Available as a branded, customised build or as an off-the-shelf licence.
- Digital loan applicationsApp, web and agent channels with document upload and e-signature.
- Product configurationInterest methods, fees, tenors, grace periods and penalties by product.
- Automated decisioningPolicy rules and scorecards approve, decline or refer applications.
- Bank statement analysisAutomatic income and spending analysis from uploaded statements.
- DisbursementDisburse to bank accounts or wallets with approval controls.
- Repayment collectionDirect debit, payroll deduction, card and transfer repayments.
- Collections managementReminder sequences, worklists, promises to pay and recovery tracking.
- Restructuring and top-upsReschedules, top-up loans and early settlement quotes.
- ProvisioningLoan loss provisioning by stage and days past due.
- Borrower portalBalances, schedules, statements and payments online.
- Payroll lendingEmployer integration for deductions and staff loan schemes.
- Audit trailEvery decision, override and change recorded.
Reports and automated email reporting
Reports run on schedule and land in the right inboxes as PDF or Excel, with live dashboards for anyone who needs the detail.
- Portfolio at riskPAR by product, branch and officer, emailed weekly.
- Disbursement and repaymentVolumes, values and collection rates by period.
- Vintage analysisPerformance of loans by origination month.
- Collections effectivenessRecovered amounts by collector, bucket and channel.
- Provisioning and regulatory returnsProvision schedules and standard lender returns.
Questions about lending and loan management
Can the platform automate loan approvals?
Yes. Applications that meet your policy and score thresholds can be approved automatically, while others are referred to a credit officer with the reasons shown.
Does it support payroll-backed loans?
Yes. Employers can be onboarded to confirm employment and deduct repayments through payroll, which lowers default risk.
Can we calculate provisions?
Yes. Provisions are calculated by stage and days past due according to the parameters you configure.
Works well with
Credit scoring systems
Scorecards, bureau and alternative data, affordability checks, explainable decisions and model monitoring.
Learn moreDigital banking platforms
Mobile and internet banking, digital onboarding, transfers, bills, cards and back-office tools.
Learn moreRegulatory technology (RegTech)
KYC and KYB, regulatory returns automation, compliance calendars, policy management and evidence.
Learn moreReady to put the right software to work?
Tell us how your business runs today. We will show you what can be live this week, and what a bespoke build would look like.