Loan management features built for real lending desks
PesoLend gives microfinance institutions, money lenders, credit unions, and multi-branch operators one place to run borrowers, products, schedules, repayments, and portfolio visibility — without spreadsheet chaos.
What you get in the core platform
Lending teams in the Philippines and worldwide share the same operational pressure: open accounts cleanly, disburse with control, collect on time, and prove portfolio health to auditors and boards. Features below are designed for that daily work — outcomes first, not feature theater.
Auth, roles and branches
Staff permissions and a branch switcher so every desk sees the right portfolio. Maker-checker patterns keep disbursements and sensitive edits accountable across sites.
Borrowers CRM
Profiles, assigned officers, search, and export keep borrower context with the loan. Field teams and back-office staff share one record instead of parallel notebooks.
Loan products and schedules
Flat, reducing, interest-only, and compound methods with currency and timezone-aware dues. Product templates help you roll out consistent terms across branches.
Repayments
Allocate every payment the way your policies require — waterfall rules, bulk CSV, and receipts. Collectors and cashiers stop fighting over who posted what.
Accounting
Double-entry journals, statements, arrears, and PAR without a separate spreadsheet trail. Finance leads can reconcile portfolio reality with the books faster.
Branch approvals
Disburse and repayment maker-checker across branches. Multi-site lenders keep control without freezing local operations.
Ops dashboard
Portfolio KPIs, disbursements vs collections, and due-today views so managers act before week-end surprises.
Reminders
SMS, email, and WhatsApp stubs ready for your providers — nudge borrowers before dues turn into arrears.
Payment rails
Pluggable stubs so you can connect local rails as market packs expand. Start clean; grow the rails you need.
Also in MVP (thin but present)
These modules are available in a practical form today so you are not blocked on day-to-day ops. We keep the scope honest so your team can plan around what is ready now.
- Savings — stub module for savings products when you need basic deposit tracking alongside lending.
- Collateral register — track pledged items against loans for secured products.
- Expenses / other income — capture non-loan cash movements that still affect branch P&L.
- Bulk upload and calendar dues — ops helpers for busy branches that onboard or restructure in batches.
How features map to lender workflows
Onboarding and credit operations
Borrower CRM plus product templates let officers open accounts with consistent terms. Role-based access keeps junior staff inside approved actions while supervisors approve exceptions. That reduces rework when regulators or internal audit ask how a loan was approved.
Collections and field work
Due lists, repayment posting, and reminder hooks support collectors who work routes across barangays or city districts. Bulk tools help when a branch receives a stack of payments at once. See also our field collections solution.
Multi-branch control
Branch switchers, approvals, and portfolio filters keep a head office view without forcing every site onto one rigid process. Read more under multi-branch lending.
Reporting and accountability
Ops dashboards and accounting views give you PAR, arrears, and cash movement context. You still export when needed, but you stop rebuilding the same weekly workbook from scratch.
Who these features serve
- Microfinance institutions running group or individual loans with strict repayment cadence.
- Money lenders who need fast booking and clean collection trails.
- Credit unions and cooperatives balancing member service with board reporting.
- Growing operators expanding from one desk to several branches.
Whether you lend in the Philippines or across other markets, the same operational primitives apply: products, schedules, cash posting, and visibility. PesoLend keeps those primitives clear.
Honest boundaries (not marketed as available yet)
Investors portal, payroll, assets, full e-sign, polished borrower portal, offline field app, and AI credit scoring are out of MVP. We will not pretend otherwise. If a capability is critical for your go-live, tell us on the contact page so we can sequence roadmap honestly.
Security and integrations
Access control and operational discipline sit inside the product. For deeper detail, see security and integrations and API.
A week in the life of a PesoLend desk
Monday starts with due-today lists. Officers confirm which borrowers are expected at the counter or on the route. Cashiers prepare for bulk posting. Supervisors scan arrears that aged over the weekend and assign follow-ups before noon.
Midweek, credit staff open new loans from shared product templates. Maker-checker catches a disbursement that needs a second look. Finance exports a statement for a partner who wants outstanding balances by product — without rebuilding a private spreadsheet.
Friday, managers compare disbursements versus collections. Reminder stubs queue for next-week dues. Branch leads leave with one shared picture instead of three conflicting workbooks. That rhythm is what the feature set is for.
Training and change management
New hires learn faster when screens match policy. Use the guides and glossary so officers share vocabulary for PAR, schedules, and allocation. When you expand sites, revisit multi-branch patterns so permissions stay tight.
Commercial and next steps
Compare plans on pricing, review diligence in the FAQ, and reach operations questions through contact. When your workspace is ready, log in to PesoLend and run a pilot branch before network-wide cutover.
Implementation notes for feature adoption
Roll out features in the order your desk feels pain. Most Philippine and worldwide lenders start with borrowers, products, and repayments, then turn on approvals and dashboards once posting is clean. Reminders and payment stubs come after the source of truth is trusted.
Train with real sample loans. Walk a partial payment, a reversal request, and a multi-branch disbursement. Use the glossary so officers and finance share definitions for PAR and allocation. When you expand sites, revisit multi-branch permissions before cloning processes.
Success metrics that matter
- Percent of repayments posted the same day cash is received.
- Number of due-list disputes per week.
- Time to produce a branch PAR snapshot.
- Days to onboard a new officer to confident posting.
Ready for commercial fit? See pricing, then contact or log in.