Installment lending software
that scales with your book
Multi-payment schedules, autopay that actually schedules, and delinquency math you can defend, for installment and small-dollar credit programs, storefront or online.
Schedules you can stand behind
Installment lending is a promise repeated eight, twelve, twenty-six times. Every repetition is a chance for generic software to drift from the contract. Lendfy doesn't drift.
Schedules from product config
Amortized or fee-based, weekly to monthly, generated per your product's rules, and regenerated correctly when terms legitimately change.
Autopay that means it
Each scheduled pull is its own object with its own lifecycle (created, pending, executed, canceled), and it's verified against the processor, not assumed.
Partial payments done right
Partials, early payments, and curtailments post as ledger entries with clear allocation. The balance always reconciles to the penny.
Delinquency you can defend
Buckets computed in your timezone from the real schedule (1 to 29, 30 to 59, 60+), with the history to show an examiner exactly why.
Reminders that pace the term
Upcoming-payment notices, failed-payment follow-ups, and payoff congratulations. Consent aware and quiet hours aware, all on the timeline.
Portfolio-grade reporting
Vintage views, roll rates, and collection performance from the ledger itself. Exportable, and available on the API like everything else.
Small loans deserve serious software
Sub-$2,500 installment programs run on thin margins and tight rules. The economics only work when the software does the heavy lifting.
Reminders, retries, sweeps, and queues run themselves. Operators handle exceptions, not routine.
Pair with the Decisioning Suite for bank data underwriting tuned on real small-dollar outcomes.
Integer-cent money math and a derived balance mean the portfolio adds up, at 400 loans or 40,000.
Put your schedule math on trial
Bring a real loan, the gnarliest one you've got, partials and all. We'll reproduce it on Lendfy and show you every entry.