Lending software for
end to end loan processing
Lendfy runs onboarding, origination, servicing, payments, collections, and reporting inside one platform, on one ledger, with one API.
Configuration and flexibility on every level
Lendfy Core is the foundation and the suites run on top of it, shaped to your lending program: your products, your rules, your vendors, your workflows, without a fork of the platform.
The platform in four numbers
Every figure on a Lendfy screen is derived from ledger entries at read time, so a balance can always be traced to the transactions that produced it and a correction is a reversal rather than an edit.
The book refreshes continuously, so a customer who pays at the counter stops appearing on the collections list about a minute later, without anyone running a sync.
No capability exists only in the interface. Our own operator console is a client of the same endpoints your engineers get.
Origination through reporting on a single append only ledger, so servicing, collections, and accounting never disagree about a balance.
Streamline digital lending with smart origination
Take an application from first tap to funded money without paper, rekeying, or a single screen your team has to work around. Documents, disclosures, signatures, and funding all land on the loan record automatically.
Explore loan originationConfigurable workflows for digital lending
Queues, reminders, sweeps, and handoffs are configuration, not custom code. Build the path a loan takes through your shop, then let the platform run it and surface only the exceptions.
Book a demoKeep the whole team on the same loan
Automated assignment, clean handoffs between underwriting, funding, servicing, and collections, and live visibility into who is working what. Every action lands on one immutable timeline.
Explore loan servicingCut defaults with explainable decisioning
Automate underwriting with balance first scoring on live bank data. The engine recommends and writes down its reasons, your program rules make the call, and the whole trace lands on the audit log.
Explore credit decisioningThe daily work, on rails that hold
Schedules and accruals generated per product, days past due computed in your timezone, verified collections on your own processor accounts, and collections queues designed by people who work them every morning.
See it by loan typeEvery stage, native
Eight modules on one schema and one ledger, not eight acquisitions wearing one logo.
Origination
- Application intake on your flow or ours
- Typed documents: ID, bank statements, pay stubs
- E-sign envelopes with full status on the loan
- Disclosure generation with a snapshot on file
Decisioning
- Rules engine with your gates and cooldowns
- Optional AI module on live bank data
- Screening checks where your program requires them
- Adverse action support with reasons on record
Funding
- ACH disbursement on your own processor account
- Funding states you can trust: settled means settled
- Every disbursement opens the ledger on day one
- Idempotent by design, so retries never double fund
Servicing
- Schedules and accruals generated per product
- Days past due computed in your timezone
- Due date changes, waivers, refunds as ledger entries
- Statuses that mean one thing each
Payments and collections
- Verified ACH and tokenized card collections
- Scheduled payments with a real lifecycle
- Buckets, queues, promises, plans, and letters
- Suppression rules and consent aware messaging
Accounting and reporting
- Append only ledger, balances derived, never edited
- GL mapping per tenant and accounting export
- Dashboards at store and portfolio level
- Everything readable is exportable, and on the API
Rules we refuse to break
Every one of these exists because its absence cost us real money, real hours, or a real incident on the systems we ran. They are not features. They are the constitution.
Every mutation returns verifiable state and is re-read after writing. A success message is a checked fact.
A future dated payment is a first class object with a lifecycle, never an immediate charge in disguise.
Append only entries for every cent. Corrections are reversals, never edits, so audits are exports.
Due dates, late days, and day boundaries computed where you lend. Money is integer cents, never floats.
Signed webhooks with retries and replay, plus an activity stream on every entity.
Contractual schedule, scheduled pull, actual payment, and payday. Four objects, modeled separately.
Structured errors, distinguishable from empty results. No silent empty lists, no endpoints that crash for some tenants.
Immutable audit log on every action (who, when, what, before, after) with consents and disclosures tracked.
Every store. One book.
Stores and branches are first class from day one, with roles, queues, and reporting scoped the way your operation actually runs.
Due lists, collections queues, and dashboards filtered per store, then rolled up for the owner.
RBAC per tenant with every action attributed: an operator, a store, a timestamp, a reason.
Storefront and online lending live in one book, one customer record, one compliance posture.
Your vendors, plugged in
Bring the accounts you already have, or let us guide you to partners we know. Connections are vaulted, health checked, and sandbox first, so swapping a vendor never rewrites your integration.
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.
Built to be sold to lenders
Selling software to regulated lenders sets the bar. We build to it from the schema up, because we have to pass the same examinations ourselves.
Field level encryption for sensitive data, SSNs stored hashed with last four display, cards tokenized at the processor and never stored raw.
A tenant identifier on every row with row level security. Multi tenant in the schema from the first commit.
Every mutation logged with actor, before and after, and reason. History is never write only and never editable.
Secrets in managers not repositories, health checks on everything, kill switches on dangerous paths, SOC 2 readiness as a workstream.
Switch without betting the book
Lendfy runs beside your current system before it replaces it. Four stages, each one reversible, and you decide when to advance.
Lendfy syncs your existing system read only. Your whole book appears in minutes and stays fresh continuously.
Lendfy computes schedules, accruals, and days past due in parallel and reconciles daily until the deltas hit zero.
Daily work moves to Lendfy, written back and verified while your old system remains the system of record.
Balances become opening ledger entries, collections continue uninterrupted, and the old system goes read only. Then off.
See the platform on your loans
Bring one real scenario from your operation and we will walk it end to end on Lendfy, from application to payoff.