Your complete loan management solution
Lendfy Core is the ledger and the loan record every suite runs on. One engine services a fourteen day single pay and a twenty six payment installment, because a loan product is configuration rather than a fork of the code.
One console, five suites deep
- Dashboard. 412 open loans, $12,480 due today, promises kept at 94 percent.
- Origination. 38 applications today, 24 approved, decided in a median of 31 seconds on rules v14.
- Servicing. $1,204 accruing today across 412 loans, $12,480 scheduled, autopay on 86 percent.
- Payments. $9,120 collected today at 98.4 percent ACH success, card collections vault tokenized.
- Collections. $6,140 past due 1 to 29 days, 94 percent of promises kept, 37 plans active.
- Decisioning. 51 decisions today at a 63 percent approval rate, every outcome with its reasons attached.
One loan, from first tap to zero
The desk above is the platform's breadth. This is its depth: one row of this morning's queue, opened into the whole record behind it, and followed until the balance reads zero.
- Applied. $400.00 over 14 days, requested in store on Aug 15 at 09:12 PT. Nothing decided yet.
- Decisioned. Approved in 31 seconds on rules v14. Income stability, existing obligations, affordability, and identity all passed, each with the reason it passed.
- Signed. Amount financed $400.00, finance charge $58.00, total of payments $458.00, due Aug 29, APR 378.21%. Snapshotted at signing.
- Funded. ACH same day to a verified account ending 6621, sent Aug 15 at 09:24 PT as transfer tr_44192, read back after writing.
- Serviced. $458.00 scheduled for Aug 29. The collection ran that morning and $182.00 was received, leaving $276.00.
- Collected. SMS, a call, a fee waived by operator J. Ruiz, and a plan payment of $276.00 on Sep 12. Balance zero.
| Entry | Type | Amount | Balance |
|---|---|---|---|
| le_0001 | Disbursement | plus $400.00 | $400.00 |
| le_0002 | Accrual | plus $58.00 | $458.00 |
| le_0003 | Payment | less $182.00 | $276.00 |
| le_0004 | Fee | plus $15.00 | $291.00 |
| le_0005 | Reversal of le_0004 | less $15.00 | $276.00 |
| le_0006 | Payment | less $276.00 | $0.00 |
Easy loan management
the file claims
Simple loan management software
Keep every process in check on one platform. Move off legacy software or start a new line of business in months, not years, without a fork of the ledger to maintain afterward.
Where the loan actually stands
Payment two of five, drawn from the schedule rather than a status field somebody has to remember to update.
Paid · Due now · Upcoming, computed in your timezone
Loan products are configuration
A product is a type, a term structure, an interest and fee model, a schedule generator, a state rule pack, and a document set. Adding a loan type is a settings change, never a fork of the ledger.
Bring your own vendor accounts. Each connection is vaulted, health checked, and sandbox first, so replacing one never rewrites your integration.
Rails Lendfy connects to
- Money movement: ACH origination, ACH collection, same day ACH, card vaults with processor tokenization.
- Bank data: balance and transaction feeds through the aggregators you already use, including Plaid and MX.
- Agreements and delivery: e-sign, identity and address verification, document generation, print and mail with delivery events, SMS, email and webhooks.
All round loan management solution
One core, configured per product. Start with the lending you do today and add the next type as a settings change.
Book a demo →Everything the record has to survive
A loan management system has to hold up to examination, to audit, and to a borrower dispute two years after the fact. Lendfy is built so those answers already exist in the data instead of being reconstructed afterward.
Every action records the actor, the timestamp, and the state on both sides of the change. Nothing is edited in place and nothing is removed.
Permissions are granted per role and per tenant, so a collector, a funder, and an examiner each see exactly the scope their work requires.
The exact document a borrower agreed to is stored on the loan, with the consent record and the template version that was in effect that day.
Anything readable on screen is exportable as structured data, so an audit request is a query rather than a support ticket.
Manage the book without the workarounds
Bring a loan that is hard to service on your current system. We will reproduce it on Lendfy and show you every entry behind the balance.