Office portal
For administrators, finance, branch managers and staff. Loans, payments, cash, accounting, compliance and reports.
For Philippine cooperatives, lending companies & MFIs
Run your whole lending operation on one platform.
Lenduh connects your back office, your field officers, and your members — borrowers, loans, payments, branches, CDA cooperative compliance, accounting and QR-verifiable digital receipts, with maker-checker controls and a member self-service app built in.
No credit card required Assisted data migration 1–2 business-day support
- Office portal Desktop web
- Lenduh Field Offline-first PWA
- Member portal Self-service PWA
One platform, everything covered
- Office Portal
- Lenduh Field
- Member Portal
- Online Payments
- Savings & Deposits
- CDA Compliance Center
- AI Assistant
- Audit-Ready
What is Lenduh?
Lenduh is lending and cooperative management software for the Philippines. It brings your back office, field officers, and members into one platform — covering loans, online payments, field collections, savings, accounting, CDA compliance, and a member self-service portal. It's built for cooperatives, lending companies, and microfinance institutions.
01 The problem
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.
- 01 Manual loan tracking Loan records managed in spreadsheets with no version control or access restrictions.
- 02 Delayed collection visibility Managers can't see field collection results until end-of-day paper reports arrive.
- 03 Field collection accountability gaps No digital trail of collector activity — payments are recorded manually or via chat.
- 04 Difficult cash and remittance reconciliation Matching collector remittances to posted payments is time-consuming and error-prone.
- 05 Limited branch-level oversight Branch performance and access controls are difficult to maintain across locations.
- 06 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.
The opportunity One connected platform built around how Philippine lending teams actually work — from loan release to field collection to audit-ready reporting and CDA cooperative compliance.
02 The platform
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.
Platform workflow — office to field to member
- Borrower
- Loan
- Schedule
- Collector
- Payment
- Remittance
- Reports
- Compliance
- Member
Lenduh Field
Offline-first installable app for the field. Today's route, QR borrower lookup, GPS-stamped payments and a syncing outbox.
Member portal
Passwordless self-service for members. Balances, schedules, statements, savings requests and online payment in a tap.
Office portal for administrators, finance, managers, and branch staff
Lenduh Field — the offline-first mobile app with GPS-stamped field collection, visit logging, and commissions
Online payments — members and borrowers pay loans by QRPh, e-wallet, or card via PayMongo, auto-recorded against the loan
Member savings & deposits — regular, time deposit, and goal accounts with interest accrual and passbook PDF
Built-in AI assistant that answers your team's questions over the cooperative's own live data
Centralized borrower, loan, payment, and cash records on a full chart-of-accounts general ledger with auto-posted journals
CDA Compliance Center: members, share capital, savings, surplus allocation, patronage refunds, AMLA CTR, PESOS rating, and the report pack
Member self-service portal (PWA) — statement PDF, loan applications, KYC upload, online payments, savings requests, and dividends
Branch-aware reports and controls, audit logs, and maker-checker approvals
QR-verifiable digital receipts delivered via email, SMS, Viber, and web push
Developer API, outbound webhooks, SSO (OIDC), white-label branding, and your own custom domain
03 The product
Built product, not just a concept.
The office portal, Lenduh Field, and the member portal are all live and in active use. Every image below is the actual product — click any one to open it full size and browse the rest.
Lenduh Field: Designed for fast field collection — assigned account visibility, QR-assisted borrower lookup, payment submission, and remittance tracking. Field officers can post payments even in low-connectivity environments.
Member portal: Borrowers see their outstanding balance, repayment schedule, and full payment history — and settle dues online in a tap. Self-service loan applications, documents, and statements reduce back-and-forth for your staff.
04 In the field
How a field officer's day works with Lenduh.
The hardest part of lending in the Philippines happens away from the office. Lenduh follows the field officer from the morning briefing to the end-of-day remittance — and puts the result on the branch manager's screen while it is still happening.
- 1
Morning briefing
The field officer opens the app and sees their assigned accounts for the day — sorted by due date and route.
- 2
Locate borrower
The field officer finds the borrower by name or scans their QR code — no manual lookup needed.
- 3
Post payment
Payment amount, allocation, and notes are recorded instantly. The field officer gets a digital confirmation.
- 4
Outbox syncs
Posted payments queue in the outbox and sync to the office portal automatically — even after low-connectivity areas.
- 5
Cash remittance
End of day, the field officer submits their total collection. Office staff reconcile against the posted payments.
- 6
Manager visibility
Branch managers see real-time collection progress, overdue accounts, and remittance status from any browser.
What the field officer carries Live
Today's due
QR lookup
Payment outbox
What your office sees in real time Example
Assigned accounts today42
Payments collected38 / 42
Overdue accounts4 flagged
Collection rate today90%
Remittance submittedReconciled
Audit trail entries38 logged
Illustrative figures — sample data, not a performance claim.
05 Capabilities
Six capability groups covering the whole workflow.
From borrower onboarding, online payments, and field collections to savings, accounting, member self-service, and Philippine cooperative (CDA) compliance — with a built-in AI assistant, developer API, and white-label options on top.
Lending Operations & Risk
Borrower onboarding through restructuring — products, interest, penalties and arrears on one ledger.
- Borrower registry with encrypted PII & KYC photos
- Multiple loan products with fees, penalties & early-payment discounts
- Interest methods (flat / diminishing / add-on)
- Payment posting with automatic penalty/interest/principal allocation
- Overdue & arrears tracking with days-past-due aging
- Loan creation, release & amortization schedules
- Loan restructuring & refinancing with generated agreement
- Borrower credit limits with auto freeze/reduce on overdue
- Post-dated check (PDC) management — full deposit-to-bounce lifecycle
- Collateral register with valuation & loan-to-value enforcement
- Salary-deduction (payroll APDS) lending with net-take-home-pay floor
- PDF agreement, promissory note, disclosure, OR & demand letter
Field Collections & Cash Ops
The field half of the job: route, collect, sync, remit, reconcile — with or without signal.
- Lenduh Field — offline-first mobile app (installable PWA)
- Today's route, assigned accounts & QR borrower lookup
- GPS-stamped payment collection in the field
- Payment outbox that syncs automatically when back online
- Remittance reconciliation with overage/shortage variance
- Field-visit logging (not-home, promise-to-pay, refused)
- Collector device management & instant revocation
- Commission tiers, approval, release batches & payslips
- Cashier shift / cash drawer with denomination counting
- Branch change fund & end-of-day reconciliation
Online Payments & Receipts
Members pay online, and the loan and the books update themselves.
- Borrowers & members pay loans online via QRPh, e-wallet or card (PayMongo)
- Login-less pay link generated per loan
- Payments auto-recorded & settled against the loan by webhook
- QR-verifiable Official Receipts with public verification page
- Receipts by email (PDF attached), SMS, Viber & web push
- Members generate their own pay link from the portal
- Savings deposit/withdrawal receipts sent automatically
- Configurable per cooperative with automatic retry
Accounting, Compliance & Reporting
Books that post themselves, and the CDA pack ready for you to review and file.
- CDA-aligned chart of accounts & double-entry journal
- Auto-posted journals from releases, collections & share capital
- Trial Balance, Statement of Financial Condition & Statement of Operation
- CDA report pack (CAPR/CAFS/PAR/SAR/LOTA/MEDCON) with submission workflow
- Loan classification & allowance for credit losses (CDA MC 2020-18)
- PESOS performance rating with COA sign-off & DOSRI review
- AMLA Covered-Transaction Report (CTR) detector
- Bank reconciliation against the general ledger
- Portfolio health — PAR, collection efficiency & concentration
- Vault Health Index scoring with threshold alerts
- Operational reports suite & audited data export
Members, Savings & Cooperative
The cooperative side — members, share capital, savings, and what members can do themselves.
- Member registry & profiles linked to borrower records
- Share capital subscription & ledger (common / preferred)
- Savings & deposits — regular, time deposit & goal accounts
- Dividend declarations, computation & posting
- Member self-service portal (PWA) with passwordless OTP login
- Savings interest accrual, maturity processing & passbook PDF
- Patronage refund / member distributions (CDA MC 2019-09)
- Surplus allocation to statutory funds (RA 9520)
- Member welfare / mutual benefit (damayan) fund
- Online payments, savings withdrawal requests & statement PDF
- Loan applications, profile-change requests & web push
- Officers & board terms; training & seminar attendance records
Platform, Security & Developer
Controls, tenant isolation, and the hooks to fit Lenduh into your own stack.
- Multi-branch support with role-based permissions
- Maker-checker approvals & searchable audit log
- Multi-tenant data isolation per cooperative
- Two-factor authentication (TOTP) & admin IP allowlist
- Built-in AI assistant over the coop's own live data (read-only)
- Self-serve sign-up with 30-day trial & guided onboarding
- Self-service billing, plan tiers, auto-pay & prepaid wallet
- Developer API with keys & signed outbound webhooks
- Single sign-on (SSO via OIDC)
- White-label branding (logo, colors, hide attribution)
- Custom app subdomain or fully custom domain
- Custom email sending domain
06 Who it's for
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 it's for
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
What it solves
Why now
- Your team is ready to move beyond spreadsheets
- Field officers 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 field officers deserve a mobile app built for their workflow
Where it's going
Product advantage
- Built around how your team actually works
- Office portal, Lenduh Field, 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
07 Security & trust
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 field officers.
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.
Two-Factor Authentication (TOTP)
Staff can secure their login with an authenticator-app code, with encrypted secrets and a guided enrollment flow.
Single Sign-On (SSO via OIDC)
Let staff log in through your own identity provider using OpenID Connect, verified against your provider's keys.
Developer API & Signed Webhooks
Issue and revoke API keys to read your borrowers, loans, and payments, and subscribe endpoints to signed, retryable event deliveries.
Multi-Tenant Data Isolation
Every cooperative's data is isolated per tenant at the database query layer — one coop can never see another's records.
White-Label Branding & Custom Domain
Run the app under your own name, logo, colors, sending domain, and custom URL — members never see a third-party brand.
MFA and IP allowlist controls are live, providing additional security for high-risk financial deployments.
08 Full support
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.
Assisted 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 officers, 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.
09 Platform scope
A complete platform — and it's all available today.
Lenduh covers the full workflow today — lending, online payments, and field collections on one side; savings, accounting, CDA compliance, and member self-service on the other. Everything below is live now. We ship continuously, so security patches and CDA-rule updates land automatically — no upgrade projects, no surprise bills.
Available today
Available today
Lending, collections & controls
- Office admin portal
- Multiple loan products & interest methods (flat / diminishing / add-on)
- Borrower & loan management
- Payment & cash tracking
- Lenduh Field 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
Available today
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)
Also available today
Member money & savings
Beyond loans
- Savings & deposits (regular, time deposit, goal) with interest & maturity
- Surplus allocation to RA 9520 statutory funds (reserve / education / community / optional)
- Patronage refund & interest-on-share-capital distributions
- Member welfare / mutual benefit (damayan) fund
Compliance & risk
Exam-ready controls
- AMLA Covered-Transaction Report (CTR) detector
- Loan classification & allowance for credit losses (CDA MC 2020-18)
- Bank reconciliation against the general ledger
- PESOS performance rating & Vault Health Index
Money-in, ops & platform
Get paid & scale
- Online payments via PayMongo (QRPh / e-wallet / card)
- Cashier shift & cash drawer reconciliation
- PDC, collateral & salary-deduction lending
- Built-in AI assistant, developer API, SSO & white-label
- Your own custom domain (your-coop.lenduh.com or fully custom)
10 FAQ
Questions Philippine coops & lenders ask.
Short answers to what teams ask us most. The full list — pricing, migration, branches, hardware, and compliance detail — lives on the FAQ page.
What is Lenduh?
Lenduh is lending and cooperative management software for the Philippines. It brings your back office, field officers, and members into one platform — covering loans, online payments, field collections, savings, accounting, CDA compliance, and a member self-service portal. It's built for cooperatives, lending companies, and microfinance institutions.
Who is Lenduh for?
Lenduh is built for Philippine cooperatives, lending companies, and microfinance institutions (MFIs), and for the people who run them: general managers, board members, bookkeepers, cashiers, field officers, and owners. It scales from a single office to many branches.
Does Lenduh handle CDA compliance and reports?
Yes. Lenduh prepares the CDA report pack (CAPR, CAFS, PAR, SAR, LOTA, MEDCON), plus loan classification under CDA MC 2020-18 and PESOS performance rating. It produces exam-ready outputs with a mark-submitted workflow; you still file with the CDA yourself.
Can our members pay their loans online?
Yes. Borrowers and members can pay online by QRPh, e-wallet, or card via PayMongo through a login-less per-loan pay link. Payments are recorded automatically against the loan by webhook, so balances and books update without manual entry.
Does Lenduh Field work offline?
Yes. Lenduh Field is an installable web app (PWA) that works offline-first, so field officers keep working with no signal. Payments queue in an outbox and sync automatically once the device is back online.
Is there a free trial, and how does pricing work?
Yes. Lenduh starts with a 30-day free trial with guided onboarding. After that there are four plans, from a free plan for up to 50 members to Starter at ₱1,990 a month — every figure is on our pricing page. Assisted data migration is included on paid plans.
11 Ready to get started?
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.
- 30-day free trial — no credit card required
- Assisted migration from spreadsheets or a legacy system, included on paid plans
- Guided onboarding and role-by-role training
- Replies within 1–2 business days, from the team that built it
Prefer email? info@codero.ph