Loan payment software that
tells you what happened
Verified collections on your own processor accounts, scheduled payments with a real lifecycle, and collections queues designed by the people who work them every morning.
Four different things, never one field
Most lending software collapses these into a single status and then cannot explain itself. Lendfy models all four separately, which is why a scheduled pull can be canceled without touching the contract and a payment can be reversed without rewriting history.
Contractual schedule
What the borrower agreed to pay and when, generated from the product and frozen into the agreement.
Collection instrument
A specific pull on a specific rail for a specific date, with its own lifecycle and its own cancel.
Actual payment
Money that moved, verified by reading the rail back, posted to the ledger as an entry that stands forever.
The customer's payday
When they actually get paid, a real field on the customer, not a copy of the due date wearing a different name.
A green checkmark you can bet on
Every collection is read back from the processor before Lendfy calls it done. Scheduling a payment schedules it, taking a payment now takes it now, and the two are different operations that can never be confused for one another.
ACH and tokenized cards on rails you control, so pricing and relationships stay yours.
Failed pulls follow your rules and land in a queue with full context attached, not in someone's memory.
A returned item is a new ledger entry, never an edit, so the history stays true and the balance stays right.
Built on the floor, not in a boardroom
Buckets, queues, promises, plans, letters, and suppressions, designed by people who work them every morning and measured by what actually gets collected.
A promise to pay is an object with a date and an amount, and it is marked kept or broken by what the ledger shows, not by memory.
Consent is tracked per channel with quiet hours respected, and every send lands on the customer's single timeline.
Compliance letters print and mail with delivery events on the audit trail, and a test mode so nothing goes out by accident.
Plans, partials, and settlements are first class flows, because most late customers come back if the conversation goes well.
Collect more, explain everything
Bring last month's failed pulls. We will show you how they route, retry, and land in a queue with the context already attached.