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 collectors 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 collectors 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 collectors 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.
Offline-first collector app
An installable PWA for collectors with QR borrower lookup, GPS-stamped collections, and a payment outbox that syncs the moment they are back online.
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 Xendit — 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.