Lending software development for lenders

Our lending software development covers lenders and microfinance companies that originate and collect in the field: paperless applications, business assessments with photos and location, approval by a credit desk, collections with a printed receipt and cash control for every branch and every loan officer, even with no signal.

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What is slowing your lending business down?

Loan files arrive incomplete, on paper or over WhatsApp, and the credit desk loses days chasing documents.
You do not know how much cash each collector is carrying or where yesterday's collections went.
Borrowers say they paid, but the payment never reached the cash box.
Your officers work in neighborhoods and rural areas with no signal, and what they capture is lost or logged days later.
The loan book lives in a different spreadsheet at every branch and nobody sees the full delinquency picture.
Your website carries regulatory disclosures, and if it goes down you face penalties.

Lending software projects we have built

We have worked with a microcredit lender, an agricultural lender and a regulated lender that takes applications online. These are the problems we solved for each one.

Microcredit lender for small businesses in Mexico

Platforms: Web dashboard · Android and iOS app · API

The problem: Its officers visit each borrower, run the assessment, hand over the loan in cash and collect payments on the road. Management needed to know, without waiting for the cutoff, how much cash each collector carried and which payments were real.

What we built: An offline-first app for officers with business assessments, payments with photo and GPS and a receipt printed over Bluetooth; an SMS code to the borrower to confirm the loan was delivered; and a dashboard with layered cash boxes, credit desk, collection targets, late accounts and portfolio import from Excel.

Agricultural lender

Platforms: Web dashboard · Android and iOS app · API

The problem: It finances inputs for farmers and needed to know what was being financed, where the plot was and how much each season costs, with loan files that were assembled on paper.

What we built: We developed an app where the field promoter builds the application in six steps and draws the plot's geofence on a map, cost packages by crop, region and irrigation type, a document checklist that alerts the promoter when something is rejected, collections that accept payment in kind and an app where farmers check their balance.

Regulated lender for small businesses and individuals in Mexico

Platforms: Website · API · Content manager

The problem: It needed a website that captured loan applications and published the regulatory information its consumer protection authority requires, always up to date and always available.

What we built: A bilingual website with a payment calculator, requirements per loan type, application download and upload, a data-rights request form that is logged and a content manager for news. We have maintained and operated it since 2021 with our uptime service.

What lending software development usually needs to include

Every lender lends and collects differently, so we do not start from a closed package. These are the pieces we build most often, adapted to your loan products.

Paperless field origination

The officer captures the application in the app: borrower data, a business assessment, references and documents with photo and coordinates. The office receives a complete file the same day.

Credit desk approval

The officer proposes the loan and the credit desk verifies, approves or rejects it with comments. Every decision records who made it and when.

Verifiable collections

Each payment stores a photo, location and time, and the app prints a receipt on a Bluetooth thermal printer. The borrower gets proof and you get evidence.

Layered cash control

Each credit desk, branch manager and officer has a cash box with opening balance, inflows, outflows, expenses and surplus. Money only moves through the hierarchy you define.

Offline mode

The app stores catalogs, applications and payments on the phone and syncs them once the signal returns, keeping the real time of every transaction.

Portfolio, targets and delinquency

Dashboards for disbursements and expected versus actual collections, targets per officer or branch, late accounts, restructures, renewals and import of the portfolio you already keep in Excel.

How we build your lending and collections system

We start by understanding your loan products, your branch structure and how cash moves today. That tells us what to build first: usually the field app and the credit desk, because that is where most money and time is lost.

Then we migrate your current portfolio, train your officers and roll out in stages. If your public website or your system cannot go down, we add them to our website maintenance and uptime service from day one.

See how we work

Frequently asked questions about lending software development

What should lending software include?

At minimum: digital applications and loan files, approvals that record who decided, payment schedules, collections with evidence, cash control and portfolio and delinquency reports. Everything else depends on how you lend: at a branch, in the field or online.

Does it work for microfinance and small lenders?

Yes. We have built it for a microcredit lender with weekly field collections, for agricultural credit with a geofence of each plot and for a regulated lender that takes applications on its website. The system adapts to your license and your products.

Does the app work without a signal?

Yes. The field app works offline: it stores applications, payments and photos on the phone and uploads them when the signal returns, keeping the real time of each transaction.

Does the system produce regulatory reports automatically?

Not in the projects shown here. What we do is keep borrower, loan and payment data organized so your compliance team can use it, and keep your website always available, because in Mexico an unavailable site can lead to penalties from the CNBV.

Can you migrate my current loan portfolio?

Yes. We import the portfolio from Excel with a row-by-row error report, so you know which loans came in complete and which need fixing before go-live.

How long does it take to build a lending system?

An MVP with the field app, the credit desk and collections is usually ready in 2 months. The next modules are delivered in stages, with progress every week.

Tell us how your company lends and collects

We will review your operation and tell you what to build first.

Send us a message so we can assess your situation and find the best solution for your business

You can book a free 30-minute session.
Everything we deliver comes with a 1-year warranty backed by a contract.

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