Loan portfolio reporting
that reconciles by construction
Every balance derives from one append only ledger, so operations, accounting, and the examiner are reading the same arithmetic rather than three exports that disagree.
One arithmetic, three audiences
A report is only as trustworthy as the thing it reads. Because Lendfy derives every figure from the same append only entries, the operational dashboard, the accounting export, and the audit answer cannot drift apart, since there is only one source to drift from.
Corrections are reversals and adjustments, never edits, so a report run today for last quarter returns exactly what it returned then.
Money is integer cents from the schema up. No floating point rounding creeps into a balance, a fee calculation, or a year end total.
Anything you can read on a screen you can export, and anything you can export you can also pull from the public API on a schedule.
Reports the floor uses and accounting accepts
Portfolio and delinquency
Balances, buckets, and roll rates at store and portfolio level, computed in your timezone from the real schedule.
Vintage performance
How each origination cohort actually paid, so a product change can be judged on outcomes rather than opinions.
Transaction register
Every entry with its actor, timestamp, and reason, filterable and exportable, which is what an examination actually asks for.
GL mapping and export
Map ledger entry types onto your chart of accounts per tenant, then export on a cadence your bookkeeper already keeps.
Immutable audit log
Who did what, when, with the before and after and the reason. Never editable, never write only, always exportable.
Scheduled and programmatic
Run a report from the console, on a schedule, or straight from the API, and receive events when a run completes.
Balances are derived, never maintained
A stored balance is a claim. A derived balance is a calculation you can repeat in front of anyone. Lendfy keeps the entries and computes the rest, which is what makes a dispute answerable and an audit an export.
And every entry to an actor, a timestamp, and a reason recorded at the moment it happened.
Corrections append. Nothing is edited away, so last year's report still says what it said last year.
Cutoffs and day boundaries land where you lend, so a month end closes on your midnight and not the server's.
Close the month without a reconciliation
Bring the report your accountant argues with. We will show you the entries underneath it and where the disagreement comes from.