PesoLend pricing for growing lenders

Transparent monthly plans for MFIs, money lenders, and small credit desks that want modern loan software without enterprise theater. Every plan includes the core PesoLend LMS: borrowers, loans, schedules, repayments, savings, and role-based access — multi-currency ready, with ledgers and branch controls that match how Philippine and regional lenders actually work.

Choose the plan that matches your book

Pricing should be boring so operations can stay sharp. PesoLend publishes clear monthly tiers — Starter at $79, Growth at $149, and Scale at $249 — plus a one-time Setup of $299 and an optional Payment gateway add-on at $49 per month. Limits are defined by branches, staff seats, and active loans so you can forecast cost as the portfolio grows. Annual billing is available at 10× monthly (two months free) when you prefer predictable cash planning.

Starter — $79 / month

Starter is built for a single desk or first formal branch: 1 branch, 3 staff, and up to 1,000 active loans. It is the right fit when you are leaving notebooks and chat-thread ledgers behind, or when a solo money lender hires the first cashier and needs shared truth instead of conflicting spreadsheets.

On Starter you get core LMS modules end to end. Maintain borrower profiles with contact details and officer assignment. Configure loan products with flat, reducing, interest-only, or compound schedules so pricing stays explainable. Post repayments with clear allocation to interest and principal, issue receipts that stop desk disputes, and keep savings products alongside the loan book when your methodology requires it. Role permissions keep the cashier focused on posting while the owner retains disbursement and product control.

Email support covers go-live questions and day-two configuration. If you already know you will open a second counter within a quarter, start on Growth; otherwise Starter keeps burn low while you prove the operating rhythm.

Growth — $149 / month

Growth is where most teams land: 3 branches, 10 staff, and up to 5,000 active loans. It is designed for lenders who already collect daily, run field officers or multiple counters, and need branch approvals without drowning in bureaucracy. Everything in Starter carries forward, then expands into multi-branch visibility, richer role maps, reminder hooks for dues, and priority onboarding so your first week is structured rather than improvised.

Use Growth when collectors and cashiers must share the same borrower record, when a supervisor must approve larger disbursements, and when Friday arrears reviews need a single portfolio view across sites. Reminder stubs help you nudge borrowers through channels you already pay for. Priority onboarding shortens the path from import to live posting — critical when you cannot pause collections for a long cutover.

Scale — $249 / month

Scale is for books that outgrow tidy limits: more branches and seats, priority support, and migration assistance when you are consolidating history from spreadsheets or a prior system. Everything in Growth is included. Choose Scale when you are adding desks faster than you can renegotiate seats, when partners or board members expect cleaner portfolio snapshots, or when PAR and arrears reporting must stay crisp under higher volume.

Priority support means faster response when month-end reconciliation or a product change cannot wait. Migration assistance helps you map borrowers, loans, schedules, and outstanding balances into PesoLend without inventing a parallel shadow book. If your roadmap includes denser field operations and stricter cashier controls, Scale keeps the commercial conversation simple while operations stay disciplined.

What every plan includes

Regardless of tier, PesoLend centers the modules lenders actually touch every day:

• Borrowers — CRM-style profiles, search, officer assignment, and exportable lists for follow-ups.
• Loans — product templates, disbursement workflows, and status that staff can trust.
• Schedules — flat, reducing, interest-only, and compound patterns that match how you price ₱10k and larger products.
• Repayments — allocation rules, receipts, bulk CSV posting, and a trail that survives disputes.
• Savings — when your model mixes deposits with credit, keep balances in the same operational system.
• Roles — least-privilege access for cashiers, collectors, officers, and approvers as the team grows.

Multi-currency readiness, ledgers, and branch-aware controls sit underneath so you are not bolting finance theater on later. Security stays practical: separate logins, approval trails, and permissions that protect the book when the first hire arrives.

Setup — $299 one-time

The Setup fee covers go-live and data import help so you are not alone on cutover day. We help you map products, bring over active loans and schedules, validate outstanding balances, and establish the posting habits your cashiers will live with. Setup is not a vanity kickoff workshop — it is the work that prevents a messy week-one ledger. Pair it with any monthly plan. If your book is already clean and small, still budget Setup so roles, products, and sample postings are verified before live collections hit the system.

Payment gateway add-on — $49 / month

When you are ready to connect card and wallet rails, add the Payment gateway for $49 per month on top of Starter, Growth, or Scale. It is optional and stacks cleanly: run cash and transfer posting first, then turn on digital rails when borrower behavior and reconciliation process are ready. Billed monthly, cancelable when you change rails strategy — no forced bundle into the base plan.

Who each tier is for

Starter fits independent money lenders formalizing one counter, micro desks under ~1,000 active loans, and teams proving LMS discipline before hiring a second wave of staff. Growth fits multi-counter operators, small MFIs with center or field collections, and credit desks that need reminder hooks and branch approvals. Scale fits denser branch networks, faster hiring, and portfolios where migration quality and priority support protect trust with partners and regulators.

If you are unsure, map current active loans, headcount, and branch count to the limits above, then add a 20–30% headroom buffer for the next two quarters. Contact sales if your model mixes unusual product shapes or you need a migration rehearsal before go-live.

Migration and support

Moving from spreadsheets or a legacy book should not freeze collections. PesoLend migration focuses on borrowers, open loans, schedules, and repayment history that staff still need for disputes. Scale includes migration assistance; Starter and Growth can add Setup-backed import help. Support channels scale with the plan: email on Starter, priority paths on Growth and Scale. Read the migration overview, scan the FAQ, and bring diligence questions through contact.

How to decide this week

List your branches, named staff who must log in, and active loan count. Match the tier. Decide whether digital rails are a now or later problem — if later, skip the gateway add-on until reconciliation is calm. Budget Setup so cutover is owned. Then talk to us or, if you are already onboarded, log in to PesoLend and keep posting.

PesoLend is navy-and-teal serious about clarity: no surprise seat taxes buried in footnotes, no competitor-baiting, no fake “unlimited” claims. You get borrowers, loans, schedules, repayments, savings, and roles on every plan — and room to grow when the book demands it.