Complete feature catalog

Everything your lending operation needs — connected in one platform

Lenduh now covers the full operating cycle across the office, the field, and member self-service. Explore every customer-facing capability currently shipped, from loan origination and offline collection to treasury controls, portfolio intelligence, cooperative accounting, documents, approvals, and enterprise integrations.

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Availability

Core lending and Lenduh Field are included from the entry plans. Advanced modules vary by plan, organization edition, and configuration; the pricing page shows where each module becomes available. See plans and module availability →

Lending operations & risk

Originate, release, service, and monitor loans without rebuilding the truth in a spreadsheet.

  • Borrower registry with encrypted personal data, KYC photos, status controls, balances, documents, loans, and payment history
  • Reusable loan products with required-document checklists, fees, penalties, discounts, and release rules
  • Flat, diminishing-balance, and add-on interest methods
  • Daily, weekly, every-two-weeks, semi-monthly, monthly, and single-pay repayment schedules
  • Loan quote and schedule preview before a draft is committed
  • Draft, release, active, overdue, paid, cancelled, and governed reversal paths
  • Automatic payment allocation across penalties, interest, principal, overdue dues, current dues, and advances
  • Per-loan ledger, amortization schedule, statements, assignments, and payment history
  • Collector assignment and reassignment history
  • Overdue detection, days-past-due aging, configurable penalties, and collection worklists
  • Loan restructuring and refinancing with generated agreements and monitoring reports
  • Borrower credit limits that can freeze or reduce as repayment risk changes
  • Risk scoring and portfolio-level credit monitoring
  • Collateral register with appraised value, haircut, secured value, and loan-to-value enforcement
  • Post-dated check management from receipt and deposit through clearing, return, replacement, or cancellation
  • Salary-deduction lending with employer records, deduction advices, net-take-home-pay controls, shortfalls, and arrears

Lenduh Field & collections

Give field officers a purpose-built app that keeps working on routes with unreliable signal.

  • Lenduh Field for Android on Google Play and as an installable PWA on other phones
  • Today's assigned accounts and collection route, organized for field work
  • Borrower and loan lookup by name or QR code
  • GPS-stamped payment capture with organization-level required-location controls
  • Offline-first payment outbox with automatic retry and sync when connectivity returns
  • Field-visit logging for outcomes such as not home, promise to pay, or refused
  • Pre-release credit investigation covering residence, employment, capacity, assets, co-maker checks, photos, location, and recommendation
  • Office review that accepts, returns, warns, or blocks release based on the investigation rule
  • Collector payment ledger and collection history
  • End-of-day remittance submission and reconciliation against posted collections
  • Commission tiers, compensation calculations, approvals, release batches, payslips, and payout history
  • Device diagnostics, account security, authenticator setup, and instant access revocation
  • In-app knowledge base for field procedures

Treasury, payments & cash control

Follow money from disbursement to collection, settlement, remittance, drawer, and bank.

  • Cash-in and cash-out ledger linked to loan releases, collections, penalties, expenses, and adjustments
  • Collector remittance reconciliation with expected amounts, overages, shortages, and approval history
  • Cashier shifts and cash drawers with opening balance, denomination counting, branch change fund, and close-out reconciliation
  • Online loan payments through QRPh, e-wallet, or card via PayMongo
  • Login-less payment link per loan and self-service pay links inside the member portal
  • Webhook settlement that posts successful online payments back to the loan automatically
  • Restricted payment reversals with a permanent audit trail
  • QR-verifiable Official Receipts with a public verification page
  • Receipt delivery by email with PDF, SMS, Viber, and web push
  • Savings deposit and withdrawal receipts
  • Bank-account registry and bank reconciliation against the general ledger
  • Post-dated check deposit scheduling and automated lifecycle monitoring
  • Notification delivery logs, retries, and channel-level configuration

Portfolio intelligence & reporting

See portfolio quality, operating performance, and emerging risk while there is still time to act.

  • Branch-aware dashboard for portfolio, collections, overdue exposure, releases, and cash position
  • Portfolio at risk, collection efficiency, concentration, aging, and trend analysis
  • Portfolio views by organization, branch, loan product, collector, and other operating dimensions
  • Collector performance and collection leaderboards
  • Restructure monitoring and restructured-loan reporting
  • Loan classification and allowance for probable loan losses (APLL) provisioning
  • Vault Health Index with factor breakdown, history, rankings, thresholds, and alerts
  • Operational reports for daily collections, loan releases, cash summary, overdue accounts, and borrower statements
  • CSV exports with branch/date scope and optional mandatory export reasons
  • Scheduled snapshots that preserve portfolio history for trend reporting
  • Branch switcher and authorized company-wide view without mixing tenant or branch data

Accounting & CDA compliance

Keep the books current as operations happen, then prepare cooperative and regulatory outputs from the same data.

  • CDA-aligned chart of accounts and double-entry general ledger
  • Automatic journals from releases, collections, share capital, savings, dividends, and member distributions
  • Trial Balance, Statement of Financial Condition, and Statement of Operation
  • CDA report pack covering CAPR, CAFS, PAR, SAR, LOTA, and MEDCON with mark-submitted workflow
  • PESOS performance rating with account mapping, supporting ratios, COA sign-off, and DOSRI review
  • Loan classification and allowance for credit losses under CDA MC 2020-18
  • AMLA Covered Transaction Report detector and review worklist
  • Cooperative profile, officers, committees, terms, and training or seminar attendance
  • Common and preferred share-capital subscriptions and member ledger
  • Dividend declarations, computation, approval, posting, and member crediting
  • Net-surplus allocation to RA 9520 statutory funds
  • Patronage refunds and member distributions under CDA MC 2019-09
  • Member welfare or mutual-benefit fund memberships, contributions, claims, and lapses
  • Bank reconciliation and audited exports that tie back to the ledger

Members, savings & self-service

Give staff one member record and give members secure access to the information and requests they need most.

  • Member registry linked to borrower, loan, payment, share-capital, savings, relationship, and document records
  • Regular savings, time deposits, and goal or special-purpose savings accounts
  • Configurable savings products, interest methods, contribution frequency, capitalization, and maturity instructions
  • Automatic interest accrual, capitalization, and maturity processing
  • Deposits, withdrawals, balances, transaction history, and printable passbook PDF
  • Passwordless member portal with one-time-code login
  • Member dashboard for loans, schedules, payments, savings, share capital, dividends, distributions, and welfare
  • Online loan payments and self-generated pay links
  • New loan applications and application history
  • Profile-change requests and secure supporting-document upload
  • Savings withdrawal requests and downloadable member statement
  • Personal notification inbox and web push
  • Mobile-first PWA that members can add to their home screen without an app-store download

Workflows, documents & migration

Put sensitive decisions, evidence, and data movement into governed, reviewable workflows.

  • Maker-checker approvals for releases, restructures, reversals, dividends, withdrawals, and other sensitive actions
  • Configurable approval rules, thresholds, approver roles, pending queue, detail view, and decision history
  • Central document register spanning borrowers, members, loans, and organization records
  • Loan-product required-document checklists and completeness tracking
  • Document expiry dates, expiry worklist, reminders, and status controls
  • PDF loan agreements, promissory notes, disclosure statements, amortization schedules, receipts, demand letters, and member passbooks
  • CSV imports with validation, dry run, error reporting, and controlled commit
  • Guided data-migration wizard for borrowers, members, loans, payments, and opening records
  • Searchable audit log with actor, entity, action, time, branch, and sanitized change context
  • Branch-aware role and permission management for separation of duties
  • Operational knowledge base and Lenduh Academy training modules
  • Organization account export and controlled account-closure workflow

Platform, security & developer

Run securely across branches, connect Lenduh to your stack, and present the experience under your own brand.

  • Multi-tenant data isolation enforced at the organization query layer
  • Multi-branch operations with user assignments, scoped data, and authorized company-wide access
  • Role-based permission catalog for administrators, finance, managers, auditors, branch staff, and field officers
  • Encrypted borrower personal data and protected KYC records
  • Authenticator-based multi-factor authentication and office IP allowlist
  • Single sign-on through OpenID Connect (OIDC)
  • Read-only AI assistant over the organization's live data, with usage reporting and organization controls
  • Developer API keys for governed access to borrowers, loans, balances, schedules, and payments
  • Signed outbound webhooks with event subscriptions, retries, and delivery history
  • White-label logo, colors, and optional Lenduh attribution controls
  • Custom Lenduh subdomain or fully custom application domain
  • Verified custom email-sending domain
  • Self-service sign-up, onboarding, billing, plan changes, auto-pay, invoices, and prepaid messaging wallet
  • Platform announcements, automatic feature releases, security fixes, and compliance-rule updates

Bring your office, field team, and members onto one connected system.

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