Lending software for Philippine lending companies
Lenduh runs your whole lending operation — products, releases, field collections, and online payments — on one platform with the controls and visibility owners need. Set up flat, diminishing, or add-on loan products once, then let payment posting, penalties, and arrears aging run on their own. Owners and managers see portfolio health as it changes, instead of waiting for end-of-day reports.
What we hear from teams like yours
- Interest, penalties, and early-payment discounts are computed by hand per loan, so postings are slow and easy to dispute.
- Field officers work from printed lists, and cash trickles back to the office with no reliable way to reconcile overages and shortages.
- Borrowers have limited ways to pay, so field officers chase cash that could have been settled online and auto-recorded.
- It is hard to know your true portfolio at risk, overdue exposure, and which field officers are performing until it is too late to act.
How Lenduh helps
Flexible loan products
Configure flat, diminishing, or add-on interest with fees, penalties, and early-payment discounts, then release loans with auto-generated amortization schedules.
Automated payment posting
Post a payment once and Lenduh allocates it across penalty, interest, and principal, keeping every loan accurate without manual math.
Lenduh Field, the offline-first officer app
An installable PWA for field officers with QR borrower lookup, GPS-stamped collections, and a payment outbox that syncs the moment they are back online.
Credit investigation before release
Send a field officer to the applicant's address before the money goes out. They file residence, employment, capacity, assets and a recommendation from Lenduh Field, with photos, and the loan can be held until the office accepts the report. Growth and above.
Remittance reconciliation
Reconcile field cash against collections with overage and shortage handling, plus a cashier shift and cash drawer with denomination counting.
Online payments via QRPh
Borrowers pay by QRPh — or card and e-wallet via PayMongo — through a login-less per-loan pay link, auto-recorded against the loan by webhook.
Portfolio health and arrears
Overdue and arrears aging plus portfolio-at-risk views show your real exposure, while credit limits can auto-freeze or reduce as risk changes.
Collateral and PDC
Maintain a collateral register with loan-to-value enforcement and manage post-dated checks alongside each loan.
Controls and audit
Maker-checker approvals on releases, restructures, and reversals, role-based permissions, and a searchable audit log on every sensitive action.
Documents and notices
Generate loan agreements, promissory notes, disclosure statements, official receipts, and demand letters as ready-to-print PDFs.
Questions lending companies ask
Can Lenduh handle flat, diminishing, and add-on interest?
Yes. Configure flat, diminishing, or add-on interest with fees, penalties, and early-payment discounts, then release loans with auto-generated amortization schedules. Payments post once and allocate automatically to penalty, interest, and principal.
Can we check an applicant in the field before releasing the loan?
Yes. Assign a credit investigation and the field officer files the report from the applicant's address in Lenduh Field — residence, employment, capacity, photos and a recommendation. Mark a loan product as requiring one and set the gate to warn or to block; on block, the release is refused until the report is filed and accepted. A release can still be pushed through with a reason, and that reason is recorded against the loan. Growth and above.
How do field officers work with Lenduh?
Field officers use Lenduh Field, an installable offline-first app (PWA): QR borrower lookup, GPS-stamped collections, and a payment outbox that syncs once back online. End-of-day remittances reconcile against posted payments with overage and shortage handling.
Can borrowers pay online?
Yes. Borrowers pay by QRPh — or card and e-wallet 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.
Can we see portfolio at risk in real time?
Yes. Overdue and arrears aging plus portfolio-at-risk views show your real exposure as it changes, and borrower credit limits can auto-freeze or reduce as repayment behaviour shifts.
Pricing & next steps
Plans scale with your size, and every price is published on our pricing page — so you can work out your cost yourself. Not sure which plan fits? Tell us about your lending companies and we'll recommend the right one.
Pricing
Lending companies start at ₱1,990 a month
That is the Starter plan — 500 borrowers, three branches, ten field officers, and Lenduh Field included rather than sold as an extra. Growth at ₱7,900 adds collateral, post-dated cheques, restructuring and credit limits. There is also a free plan for up to 50 borrowers, and no setup fee on any of them.