Modern lending software built for your team — from head office to field collectors to members.
Lenduh connects your back-office team, field collectors, and members in one platform — manage borrowers, loans, payments, branches, CDA cooperative compliance, accounting, and QR-verifiable digital receipts, with maker-checker controls and a member self-service PWA built in.
Your team deserves better tools than spreadsheets and paper forms.
Many lending teams still track loans in spreadsheets, collect payments on paper, and piece together reports from multiple sources. This creates delays, blind spots, and errors that cost your team time every single day.
Manual loan tracking
Loan records managed in spreadsheets with no version control or access restrictions.
Delayed collection visibility
Managers can't see field collection results until end-of-day paper reports arrive.
Field collection accountability gaps
No digital trail of collector activity — payments are recorded manually or via chat.
Difficult cash and remittance reconciliation
Matching collector remittances to posted payments is time-consuming and error-prone.
Limited branch-level oversight
Branch performance and access controls are difficult to maintain across locations.
Time-consuming compliance preparation
CDA reports and audits still mean exporting from spreadsheets and stitching together member, loan, and share-capital data — unless your platform is built for both lending and cooperative records.
One platform that covers your entire lending workflow.
Lenduh gives your team one place to manage everything — loan releases, payment collection, cash reconciliation, reporting, and CDA cooperative compliance (members, share capital, officers, trainings, and compliance reports). Whether you run a cooperative, a private lending company, or a microfinance operation, Lenduh fits the way you work.
Morning briefing
Collector opens the app and sees their assigned accounts for the day — sorted by due date and route.
Locate borrower
Collector finds the borrower by name or scans their QR code — no manual lookup needed.
Post payment
Payment amount, allocation, and notes are recorded instantly. The collector gets a digital confirmation.
Outbox syncs
Posted payments queue in the outbox and sync to the office portal automatically — even after low-connectivity areas.
Cash remittance
End of day, the collector submits their total collection. Office staff reconcile against the posted payments.
Manager visibility
Branch managers see real-time collection progress, overdue accounts, and remittance status from any browser.
Collector mobile app Live
What your office sees in real time Live
Built product, not just a concept.
Both the office portal and mobile collector app are live and in active use. The screenshots below show the actual product. Click any image to open a full-size viewer — use arrows or swipe to browse the extended office gallery and collector screens.
Six capability groups covering the whole workflow.
From borrower onboarding and loan release to field collections, controls, member self-service, digital receipts, and Philippine cooperative (CDA) compliance.
Lending Operations
- Borrower management
- Multiple loan products
- Interest methods (flat / diminishing / add-on)
- Loan creation and release
- Loan schedules
- Payment posting & allocation
- Overdue monitoring
- PDF loan agreement, promissory note & OR
- Reports and exports
Field Collections
- Collector mobile app
- Assigned borrower list
- Today's due collections
- QR scan workflow
- Payment outbox
- Remittance visibility
- Collector accountability
Branch, Risk & Controls
- Branch management
- User and role access
- Audit logs
- Maker-checker approval workflow
- Credit limit engine
- Loan restructuring
- Payment reversal controls
- Portfolio health & PAR dashboard
- Collector leaderboard & 90-day trend
- Collector compensation
CDA & cooperative compliance
- CDA Compliance Center & compliance reports
- Member registry linked to loans
- Share capital ledger & share classes
- Officers, committees & trainings
- Cooperative profile & CDA registration data
- Dividend declarations & posting
- Auto-posted accounting journals (Trial Balance / SFC / SOO)
Member Self-Service
- Installable member PWA
- Passwordless OTP login (email or SMS)
- Loan balances, schedule & statement PDF
- Loan applications (approval-gated)
- Profile change requests
- Self-upload KYC documents
- Dividends & share-capital tile
- Web push notifications
Digital Receipts & Notifications
- QR-verifiable Official Receipts
- Public verification page (no login)
- Email receipts with OR PDF attached
- SMS receipts via Semaphore
- Web push to the member's phone
- Automatic retry with backoff
- Configurable per cooperative
Built for the way Philippine lending teams operate.
Lenduh is designed around the real workflows of Philippine lending organizations — cooperatives, private lending companies, microfinance teams, and branch-based offices.
Who we serve
- Private lending companies
- Lending cooperatives
- Multi-purpose cooperatives with lending operations
- Microfinance organizations
- Branch-based lending offices
- Community and rural lending teams
Why now
- Your team is ready to move beyond spreadsheets
- Field collectors need a tool built for their daily work
- Managers need real-time visibility — not end-of-day reports
- Compliance prep should take minutes, not days
- Your collectors deserve a mobile app built for their workflow
Product advantage
- Built around how your team actually works
- Office portal, collector app, and member portal work together
- Branch-ready architecture
- Built-in CDA compliance center for lending cooperatives
- Member self-service portal included — no separate vendor
- Built-in maker-checker approval workflow for sensitive actions
- Add what you need as you grow
Your financial data stays secure, controlled, and fully auditable.
Every part of Lenduh is built around the assumption that financial data requires strict access controls, complete audit trails, and branch-level isolation.
Access Control
Role-based permissions for administrators, finance, managers, branch staff, and collectors.
Audit Trail
Complete logs of sensitive financial actions — payments, reversals, user changes, and loan modifications.
Branch Isolation
Branch-scoped data visibility ensures staff only see what their role and branch allows.
Collector Security
Collector ownership rules with payment reversal tracking and accountability controls.
Financial Accountability
Payment reversals, remittance reconciliation, and admin controls protect against unauthorized changes.
MFA & IP Allowlist
Multi-factor authentication and IP allowlist controls are live for high-security deployments.
Maker-Checker Approvals
Sensitive flows — loan release, restructure, payment reversal, dividend posting, and share-capital withdrawal — can be gated by a configurable second-approver workflow.
Encrypted PII & Passwordless Member Login
Borrower contact details are encrypted at rest. Members log in via one-time codes sent to email or SMS — no shared password to leak or reset.
You're not on your own — we set you up, train your team, and stay with you.
Lenduh isn't just software. From migration day to month-end report, our team is part of yours — with hands-on onboarding, structured training, and ongoing operational support.
Guided onboarding
We configure your coop profile, chart of accounts, branch structure, and user roles to match how your team already works — so you're operational on day one, not day thirty.
Free data migration
Bring borrowers, loans, payments, members, and share-capital records over from spreadsheets or legacy systems. We handle the mapping at no extra cost — you verify the result.
Training for every role
Hands-on sessions for office admins, branch managers, finance staff, field collectors, and members — in person or remote, scheduled around your team's calendar.
Compliance walkthroughs
CDA reports, BIR-aligned accounting journals, and audit-trail use are walked through together with your team so the first month-end isn't a guessing game.
1–2 business day support
Questions, issues, and change requests answered within 1–2 business days via email and a shared support channel — same team that built it, same team that supports it.
Always-current platform
Feature releases tracked on our public roadmap, security patches, and CDA-rule updates land automatically — no upgrade projects, no surprise bills.
A complete platform today — with more coming.
Lenduh covers the full workflow today — lending and collections on one side, CDA cooperative compliance, member self-service, and accounting on the other. The next round adds savings, surplus allocation, patronage refunds, AMLA reporting, and more.
Lending, collections & controls
- Office admin portal
- Multiple loan products & interest methods (flat / diminishing / add-on)
- Borrower & loan management
- Payment & cash tracking
- Collector mobile app
- Branch operations
- Maker-checker approval workflow
- Portfolio health & PAR dashboard with collector leaderboard
- Reports & audit logs
- PDF loan agreement, promissory note, amortization & OR
Compliance, member experience & accounting
- CDA Compliance Center & regulatory reports
- Member registry & share capital ledger
- Officers, committees & trainings
- Document & KYC management with expiry reminders
- Dividend declarations & posting (auto credit to share capital)
- Member self-service portal (PWA) with passwordless login, statement PDF, loan applications & profile change requests
- Digital receipts (email + SMS) with QR verification & web push
- Auto-posted accounting journals (Trial Balance / SFC / SOO)
Member money, beyond loans
- Savings & deposit accounts (regular, time deposit, special)
- Statutory surplus allocation (RA 9520 — GRF / OEDF / CDF)
- Patronage refund (activity-based, beyond dividends)
Stronger controls
- AMLA Covered & Suspicious Transaction reports
- Loan classification & allowance for credit losses
- Bank reconciliation against the general ledger
Daily-ops & new segments
- Cashier shift & cash drawer reconciliation
- Coop-branded subdomain (your-coop.lenduh.com)
- Post-dated check (PDC) management
- Collateral management for secured loans
- Salary-deduction loan workflow
See how Lenduh works for your team.
Whether you run a cooperative, a lending company, or a microfinance team, Lenduh gives you one platform for borrowers, loans, collections, branches, and CDA cooperative compliance — without the spreadsheets.