Finance Lend SaaS - AI Powered Loan & Lending Management System

Overview

Finance Lend SaaS is a complete loan management platform you can run as your own SaaS business. Lenders, microfinance companies and credit organisations sign up, choose a subscription plan and manage everything in one place: customers, loan applications, approvals, repayment schedules, payments, collections, accounts, reports and their own public website.

Each lender’s data is kept completely separate. Owners, staff and customers each get their own portal with only the menus they need, and the built-in API powers the Android and iOS customer apps (available as an add-on).

Built with Laravel, fully responsive, with multi-language and RTL support, and ready to sell with subscription plans, coupons and online payment gateways.

Demo Details

Preview Video : Click here to open the demo preview video

Admin URL: Demo Link

Owner Website (Front-End): Web Link

Documentation: Documentation Link

Super Admin
Email : superadmin@gmail.com
Password : 123456

Owner
Email : owner@gmail.com
Password : 123456

Customer
Email : customer@gmail.com
Password : 123456

Mobile App (Add-on)

Android & iOS App – Available as Add-on. Flutter source code for your customers: dashboard with what they owe and what is next, loans and repayment schedules, Pay Now through a secure in-app browser, loan applications with a repayment preview, KYC document upload with the camera, PDF receipts and statements, in-app messages with push notifications, fingerprint / face unlock and an AI assistant. Two separate projects (Android and iPhone). One app serves every lender on your platform: customers find their lender by name, company code or the QR code on its website, then sign in with their email and password or a 6-digit code sent by email. Each lender’s colour and logo show in the app.

Who Is It For?

• SaaS founders – launch your own loan management software and sell monthly, quarterly or yearly plans.
• Lenders and microfinance companies – manage branches, staff, customers, approvals and collections from one account.
• Credit unions and finance businesses – keep every loan, instalment and payment in one clear system.

User Roles

• Super Admin – runs the platform: lenders, packages, coupons, transactions, landing page and settings.
• Owner – full control of their lending business, including approval rules, accounting export and their own website.
• Staff – unlimited custom roles with permissions, including senior approvers who can give final approvals.
• Customer – signs up online, uploads documents, applies for loans, pays instalments, signs agreements and downloads receipts and statements.

Main Features

Loans & Repayments

• Loan types with minimum / maximum amount and term, interest rate, penalty per day and grace period
• Interest methods: fixed rate, flat rate, reducing balance, mortgage amortization and one-time payment
• Automatic repayment schedules, with a live repayment preview on the loan form
• Part payments – allocated to penalty, interest, then principal; the instalment stays open with its balance
• Late fees worked out per day overdue, one calculation used everywhere
• Early closure with a settlement quote
• Restructure / top-up – replace unpaid instalments with a new schedule, with a full record of what was waived
• Loan statements and PDF receipts for every payment

Approvals & Credit Profile

• Multi-level loan approval (maker-checker): the more a loan is for, the more approvals it needs
• Senior approvers – some approvals can be reserved for the owner or a senior role
• The person who created a loan can never approve it; rejections need a reason
• Approval rules also cover restructures and early closures
• Approvers get a queue and a menu counter, and are notified when something waits for them
• Credit profile of the applicant: score 0–100 with every reason shown, based only on the lender’s own records
• Optional extra approvals when the credit profile is Poor
• Audit log of who changed what, and when

Collections

• Prioritised worklist of overdue loans – broken promises first, then follow-ups due
• Assign collectors, or let the system auto-assign them by workload
• Log calls, visits, SMS, WhatsApp and email with outcome, promise-to-pay and next follow-up
• Print sheet for the field and CSV export with phone numbers
• Automatic repayment reminders before and after the due date (email, SMS, WhatsApp) with a Pay Now link

Customers & Self-Service

• Customer and branch management
• Online sign-up from the lender’s website, with optional email confirmation
• KYC documents: customers upload, staff approve or reject
• Customer dashboard with next payment, overdue alerts, progress bars and payment gateways
• Customers can ask for a top-up or early closure online
• Loan agreements with online acceptance and an audit trail (time, IP and a fingerprint of the text)
• Guarantors and collateral with a loan-to-value reading

Online Payments

• Stripe, PayPal, Flutterwave, Paystack, Razorpay and Bank Transfer
• Bank transfers wait for the owner to accept them, and cannot be replayed
• One shared payment engine for every gateway, so a payment is never booked twice

Accounts, Reports & Accounting Export

• Accounts, account types, deposits, withdrawals, transactions and expenses with expense types
• Reports: Loan, Loan Payment, Collections, Disbursements, Overdue (ageing), Portfolio at Risk by branch, Account, Transaction and Expense
• Reports download as PDF, Excel and CSV
• Accounting export of the journal for a period: CSV, Excel, QuickBooks (IIF) and Tally (XML) files with ledger names you control

AI Tools

• Ask Finance Lend – staff ask questions about their loan book and get answers from their own data (read-only)
• AI brief on the dashboard – a one-click morning summary
• AI brief on each loan application – strengths, concerns and questions for approvers, with no personal details sent
• My Assistant for customers – answers about their own loans only
• Write with AI – drafts for notes, FAQs, enquiry replies, notification templates and website search text
• Collection message drafts built from the loan’s real overdue figures
• Bank slip reader – compares a transfer slip with the amount entered; you still accept or reject
• Document review for uploaded IDs, late-payment risk badge
• AI Usage page with a monthly allowance, cost estimate and the option to use your own Anthropic API key

Lender Website (Front-End)

• Every owner gets their own public website – no coding needed
• Page builder with content blocks: hero, text, feature cards, steps, numbers, loan products, loan calculator, testimonials, FAQ, call to action, contact and enquiry form
• Any number of pages, with templates (Home, About us, Contact, Loan products, Apply, FAQ)
• Brand colours, logo, footer, social links and SEO title and description per page, plus a sitemap
• Own domain per owner
• Enquiry inbox with CSV export; online sign-up and loan application
• “Get our app” page with a QR code, the company code and Google Play / App Store buttons (also a QR code in the footer)
• “My website” address menu in the admin header

Platform & Settings

• Subscription packages, coupons and coupon history, with pricing features you can switch on or off
• Dynamic landing page CMS, landing and register pages can be switched on or off
• Owner account email verification
• Email notification templates, SMS templates, Twilio SMS and WhatsApp notifications
• n8n automation hooks
• Read-only REST API with tokens, plus a customer API for the mobile apps
• Mobile Apps page for store links and app sign-in options
• Two-factor authentication, Google reCAPTCHA, site SEO settings
• Cloud storage: AWS and Wasabi
• Multi languages with RTL / LTR support
• Theme settings: multiple colours, light / dark mode and font styles

System Requirements

1. PHP >= 8.1
2. MySQL / MariaDB database
3. BCMath PHP Extension
4. Ctype PHP Extension
5. cURL PHP Extension
6. Fileinfo PHP Extension
7. JSON PHP Extension
8. Mbstring PHP Extension
9. OpenSSL PHP Extension
10. PDO PHP Extension
11. Tokenizer PHP Extension
12. XML PHP Extension
13. Cron job support (for repayment reminders, automatic collector assignment and mobile reminders)
14. SSL certificate (HTTPS) recommended – required for online payments, the mobile apps and push notifications

What You Get

• Full Laravel source code
• Web installer – install in a few minutes
• Documentation with installation steps and a feature guide
• Future updates
• Support through our ticket system

Need Assistance?

If you have any queries, please create a support ticket here, and our support team will respond as soon as possible.

Change Log

 Version 1.7 – 17 October 2026  New – Approvals & Credit [New] Multi-level loan approval with amount tiers and senior approvers [New] Approval rules for restructures and early closures [New] Credit profile (score 0–100 with reasons) on every application [New] Extra approvals for a Poor credit profile [New] Approvals queue, menu counter and notifications to approvers [New] Audit log  New – Loans & Collections [New] Part payments, per-day late fees with grace period and early closure with a quote [New] Restructure / top-up with a full record [New] Collections worklist, collector assignment, auto-assign, contact log with promise-to-pay [New] Print sheet and CSV for collectors [New] Guarantors and collateral with loan-to-value [New] Loan agreements with online acceptance and an audit trail [New] PDF receipts and loan statements [New] Reminders by email, SMS and WhatsApp with a Pay Now link  New – Reports & Accounting [New] Collections, Disbursements, Overdue and Portfolio at Risk reports (PDF, Excel, CSV) [New] Accounting export: CSV, Excel, QuickBooks (IIF) and Tally (XML)  New – AI Tools [New] Ask Finance Lend, dashboard AI brief and loan AI brief [New] Write with AI, collection message drafts and bank slip reader [New] My Assistant for customers, document review, risk badge [New] AI Usage page with allowance and your own API key option  New – Website & Customers [New] Lender website builder with pages, blocks, own domain, sitemap and enquiry inbox [New] Online customer sign-up and loan application [New] KYC document upload, customer top-up and closure requests [New] "Get our app" page with QR code, company code and store buttons, and a "My website" menu in the header  New – Mobile Apps & API [New] Customer API for the Android and iOS apps: company search by name or city, company code, sign-in with password or an emailed code [New] Read-only REST API with tokens  Security & Fixes [Fix] Removed an open route that let anyone sign in as any user [Fix] Closed several cross-organisation access holes found in an audit of the original code [Fix] Bank-transfer acceptance restricted to the owner and made single-use [Fix] Payment amounts validated on every gateway [Fix] Notification emails are sent again 

 Version 1.6 (14 May 2026)  * WhatsApp Integration for Sending Notifications  * Razorpay Payment Gateway Integration  * Auto notification sending (Cron Job) to customer for loan repayment reminder.  * Expense Type Module  * Change the UI, Customer and Loan page. 

 Version 1.5 (5 February 2026)  * Add Report Section: Loan, Loan Payment, Account, Transaction, & Expense  * Add n8n Integration 

 Version 1.4 (22 August 2025)  * Added Cloud Storage Integration like AWS, Wasabi  * Added Customer Login Module  * Added Customer Dashboard with Payment Gateway  * Added SMS Template System  * Added Twilio SMS Integration 

 Version 1.3 (29 February 2025)  * UI Improvement  * Dynamic Landing Page CMS  * Pricing Features Enabled/Disabled  * 2-Factor Authentication  * Impersonate Features  * Fixed Small Bugs  * Added Custom Color Picker in Theme Settings 

 Version 1.2 (24 December 2024)  * Added Email notification enable/disable option.   * Added Owner account email verification enable/disable option.  * Added Email notification template 

 Version 1.1 (19 September 2024)  * Added flutterwave payment gateway integration in subscription packages.   * Fixed small issues. 

 Version 1.0 (22 July 2024)  * Initial Release