Loan management software that does what it says
Origination, credit decisioning, servicing, payments, collections, and reporting on one system of record, with every capability in the console available on a public API.
One loan from first tap to funded money
- Apply. The amount and the payment, before anything is signed.
- Decision. Underwritten on live bank data, and it says why.
- Sign. The disclosure and the signature, on the same record.
- Fund. Money leaves on a verified rail, not a hopeful one.
- Service. The schedule, and a plan if the schedule stops working.
One core, five suites, one API
Lendfy Core holds the ledger and the loan record. The Origination, Servicing, Payments, Collections, and Decisioning suites are the work that happens on it. All sharing one ledger underneath.
Loan management on one ledger
Originate, service, collect, and report on one system of record: verified writes, an append only ledger, and operator-speed screens built around the day's work.
Explore Lendfy Core →Every suite, programmable
Every capability in the console is a public, versioned endpoint: idempotency keys on every mutation, signed webhooks, sandbox tenants, generated docs.
Explore the API →Credit decisions from bank data
Balance first underwriting driven by bank data and real repayment outcomes. Every decision is explainable line by line, and every rule change is versioned.
Explore credit decisioning →Everything a lender runs on
From first application to final payoff, with the reliability details your operation actually feels, done right the first time.
Verified writes
A 200 means it happened. Every mutation returns verifiable state, and the platform re-reads its own work. A green checkmark is a fact, not a hope.
An append only ledger
Every disbursement, accrual, fee, payment, reversal, and waiver is an immutable entry. Balances are derived, disputes are answerable, and audits are exports.
Money math that respects the clock
Due dates, days past due, and cutoffs computed in your timezone, never the server's. Money is integer cents, and floats never touch a balance.
Sandbox, dry-run, idempotency
Full-parity sandbox tenants, preview mode on every dangerous operation, and idempotency keys on every mutation. Platform primitives, not favors.
Compliance built in
An immutable audit trail on every action, consent tracking, disclosure generation, and screening gates where your lending program requires them.
One contact timeline
Calls, notes, letters, emails, SMS, and promises on a single readable, exportable history. "When did we last talk to this customer?" always has an answer.
Payments that tell the truth
Most lending software blurs the line between what was promised, what was scheduled, and what actually happened. Lendfy keeps them separate, and never lets a success message lie to you.
A future dated payment is a first class object with its own lifecycle: created, pending, executed, or canceled. Never a surprise same day charge.
Contractual schedule, scheduled collection, actual payment, and the customer's payday are four different things. Lendfy models all four.
Balances derive from the append only ledger, so every cent traces to an entry, and every entry to an actor, a timestamp, and a reason.
Collections built on the floor, not in a boardroom
Buckets, queues, promises, letters, and suppressions, designed by the people who work them every morning and measured by what actually gets collected.
Past due work organized by bucket and store, with promises to pay tracked to the day they're kept or broken.
Consent-aware messaging and FDCPA-conscious templates, with every touch on the customer's one timeline.
Payment plans, partial payments, and settlements as first class flows, because most late customers come back.
An API you'd choose on purpose
Lendfy's own console is a client of the same public API you get. If the UI can do it, your code can do it. No scraping, no session cookies, no mystery endpoints.
REST under /v1, OpenAPI-generated reference, one naming convention, one date format. Boring in the best way.
HMAC-signed webhooks with retries and replay, plus an activity stream on every entity.
Structured errors, distinguishable from empty results. No silent empty lists, no 200s over failures.
# Schedule an ACH collection. Safe to retry POST /v1/loans/ln_8kq3/payments Idempotency-Key: 9f27c1d0-6b1e { "amount_cents": 18200, "rail": "ach", "effective_date": "2026-08-21" } 201 Created { "id": "pay_02Yw", "state": "scheduled", // its own lifecycle "effective_date": "2026-08-21", "verified": true // read back, not assumed }
One engine, every consumer credit product
A loan product on Lendfy is configuration rather than a fork of the platform, so the list below is what the engine already services and not a roadmap.
- Installment
- Single pay
- Line of credit
- Cash advance
- Small dollar
- Storefront
- Online
- Autopay
- Payment plans
- Promises
- Verified ACH
- Tokenized card
- Cash at counter
- Debit refunds
- Reversals
- Buckets
- Queues
- Quiet hours
- GL export
- Audit trail
Bring your own vendors. We wire them in.
Your processor, your bank-data provider, your e-sign account: connected behind one API, health-checked continuously, swappable without a rewrite.
Disburse and collect on your own processor account, with verified scheduling and a real lifecycle on every pull.
Debit-card collections with processor-vault tokenization. Lendfy never stores a raw card number, by design.
Balance and transaction feeds for underwriting and payment timing, through the aggregators you already use.
Envelopes with full API status (sent, viewed, signed, completed) and executed documents archived on the loan.
Compliance letters printed and mailed with proofs and delivery events on the audit trail. Test mode included.
Reminders and collections messaging with consent tracked per channel, and every send recorded on the timeline.
Every connection ships with a setup guide, a credentials checklist, a live health check, and a sandbox mode. Swapping vendors never rewrites your integration.
Switch without betting the book
Replacing a live loan management system is the highest risk project a lender undertakes. Lendfy runs alongside your current system through four defined stages, and you decide when each one advances.
Lendfy syncs your existing system read only. Your whole book appears in minutes and stays current continuously. Nothing changes for your team yet.
Lendfy computes schedules, accruals, and days past due in parallel and reconciles against your system daily, until the deltas reach zero.
Daily work (notes, queues, scheduling) moves to Lendfy, written back and verified while your old LMS remains the system of record.
Balances become opening ledger entries, collections continue uninterrupted, and your previous system moves to read only, then retires.
Lending software should be able to explain every number it shows you.
Lendfy is built by a team that has originated, funded, serviced, and collected consumer loans under a California lending license. The platform is designed around what that work actually requires: a ledger that reconciles, payments that behave the way they were scheduled, and a record that holds up under examination.
A green checkmark means it happened. The platform confirms its own work before it tells you anything.
Schedules, collection instruments, payments, and paydays are different things. Never conflated, never guessed.
Screens organized around the queue, the customer, and the day's work, so an operator moves through volume without waiting on the interface.
Everything readable is exportable, everything visible has an API, and history is never write only.
One core,
every product
Loan products are configuration: a type, a term structure, a fee model, a schedule generator, and a rule pack. Adding the next one is a settings change.
Explore Lendfy Core →Become a founding customer
We're onboarding a small group of design partners while we build toward GA. Get the platform shaped around your lending program, with pricing you'll never see again.