Pricing
Priced for the Philippines, not for Silicon Valley
Every figure below is in pesos, VAT-exclusive, and is what you actually pay — there is no setup fee, no per-user surcharge and no minimum contract. Start free, move up only when your member or borrower count says so.
Free
For a small co-op or a lender just getting off spreadsheets.
₱0
forever, no card needed
- Members 50
- Branches 1
- Office seats 2
- Field officers 1
- AI messages / mo 10
Starter
A single-branch co-op or lending company running real volume.
₱1,990 /mo
billed monthly
- Members 500
- Branches 3
- Office seats 8
- Field officers 10
- AI messages / mo 80
Growth
Multi-branch teams — the CDA pack for co-ops, collateral and restructuring for lenders.
₱7,900 /mo
billed monthly
- Members 2,500
- Branches 10
- Office seats 20
- Field officers 30
- AI messages / mo 400
Professional
Large federations and lenders that need every module switched on.
₱16,900 /mo
billed monthly
- Members 10,000
- Branches Unlimited
- Office seats 60
- Field officers 100
- AI messages / mo 1,500
- Every plan includes Lenduh Field, the offline officer app, with GPS-stamped collections — it is not an upsell. It is the part that replaces the paper field sheet, so it ships with the free plan too.
- Bigger than 10,000 members, or need the system on your own server? That is our Enterprise tier — scoped and quoted, not subscribed to.
- Prices are VAT-exclusive and quoted in Philippine pesos.
Compare
What each plan includes
A dash means the plan does not include it. Where a module can be bought separately, the add-on price is shown instead — so you can price your real configuration without calling us.
| Feature | Free | Starter | Growth | Professional |
|---|---|---|---|---|
| Capacity | ||||
| Members / borrowers | 50 | 500 | 2,500 | 10,000 |
| Branches | 1 | 3 | 10 | Unlimited |
| Office seats | 2 | 8 | 20 | 60 |
| Field officers | 1 | 10 | 30 | 100 |
| Lending core | ||||
| Loans, borrowers, payments, arrears | ✓ | ✓ | ✓ | ✓ |
| Lenduh Field — offline officer app (PWA, GPS) | ✓ | ✓ | ✓ | ✓ |
| Official receipts & loan documents | ✓ | ✓ | ✓ | ✓ |
| Roles, permissions, audit log, 2FA | ✓ | ✓ | ✓ | ✓ |
| Online payments (QRPh, e-wallet, card) | ✓ | ✓ | ✓ | ✓ |
| Loan restructuring & credit limits | — | — | ✓ | ✓ |
| Collateral, PDC, payroll deduction | — | — | ✓ | ✓ |
| Credit investigation before release | — | — | ✓ | ✓ |
| Portfolio health (PAR) & risk scoring | — | — | — | ✓ |
| Cooperative & compliance | ||||
| Co-op operations — members, share capital, officers, dividends | — | ✓ | ✓ | ✓ |
| CDA report pack, PESOS & AMLA (co-ops only) | — | +₱1,200 | ✓ | ✓ |
| Accounting — double-entry GL, trial balance, SFC/SOO | — | +₱900 | ✓ | ✓ |
| Regular savings (co-ops only) | — | — | ✓ | ✓ |
| Time deposits (co-ops only) | — | — | — | ✓ |
| Members & communications | ||||
| Member / client self-service portal | — | +₱800 | ✓ | ✓ |
| Email & web push notifications | ✓ | ✓ | ✓ | ✓ |
| SMS to members | ₱0.75 each | ₱0.75 each | ₱0.75 each | ₱0.75 each |
| AI assistant messages / month | 10 | 80 | 400 | 1,500 |
| Branding & integration | ||||
| White-label & custom domain | — | — | — | +₱2,500 |
| Single sign-on (OIDC) | — | — | — | +₱2,500 |
| Developer API & webhooks | — | — | — | +₱2,000 |
| Onboarding & support | ||||
| Data migration from spreadsheets | Self-serve import | Assisted | Assisted | Assisted |
| Support | Docs & Academy | Business hours | Priority | |
Enterprise · Beyond Professional
Bigger, or on your own server
Not everything fits a plan card. Above Professional, and for buyers whose regulator or board requires the system to sit on their own infrastructure, we scope and quote instead. There is no subscribe button here on purpose — the price depends on what you actually need.
Dedicated & custom
Above 10,000 members
For federations, multi-co-op groups and lenders past the Professional caps, or anyone needing terms a standard plan does not cover.
- Caps lifted to your actual size
- Every module switched on, including white-label, SSO and the developer API
- Onboarding and migration scoped to your data, not a template
- Priority support with agreed response times
On-premise
Your own server
For large or regulated buyers who cannot put member data on shared infrastructure — where the requirement comes from a regulator, a board resolution or an internal policy rather than from preference.
- Licence plus support, quoted per deployment
- Runs on hardware you control, in your own facility
- Your team or ours handles upgrades, agreed up front
- Scoped case by case — tell us the constraint you are working to
Add-ons
Add only what you need
Base plans came down so you are not paying for modules you will never open. Add-ons put them back one at a time, and you can switch them on or off yourself from Billing — no call, no contract change.
Regulatory Reporting
The CDA statutory pack — CAPR, CAFS, PAR, SAR, LOTA, MEDCON — plus PESOS rating and AMLA covered-transaction reports, and the general ledger they are computed from.
₱1,200 /mo
Accounting / GL
Double-entry general ledger: chart of accounts, journal, trial balance, Statement of Financial Condition, Statement of Operation and bank reconciliation.
₱900 /mo
Member portal
Self-service for your members or borrowers: passwordless sign-in, balances, loan applications, profile-change requests and online payment.
₱800 /mo
+500 members
Outgrown one number but not the whole plan? Raise your member cap instead of moving up a tier. Up to two blocks.
₱500 /mo
White-label & custom domain
Your branding, your subdomain or a fully custom domain, and email sent from your own domain.
₱2,500 /mo
SSO & developer API
Sign in through your own identity provider with OIDC (₱2,500), or connect Lenduh to your other systems with API keys and signed webhooks (₱2,000).
₱2,000 /mo and up
- A worked example. A single-branch CDA co-op that needs the report pack pays ₱1,990 + ₱1,200 = ₱3,190/month. The ledger comes with Regulatory Reporting, because CAFS and PESOS are computed from it — you are not charged twice for the books.
- Extra capacity is capped at two blocks. They exist so a 900-member lender is not told to pay four times overnight — not as a way to stay on a small plan forever.
- SMS and AI overage run on a prepaid wallet. You top it up when you want to; nothing auto-charges your card.
Questions
Pricing questions
What happens when my 30-day trial ends?
Your workspace moves to the Free plan and stays editable. Nothing is deleted and nothing is locked — if you are over the free limits, you simply cannot add new records until you either tidy up or pick a paid plan. We do not hold your data hostage to get you to upgrade.
Is the free plan really free, or a trial in disguise?
Really free, with no time limit and no card. It is capped at 50 members, one branch, two office seats and one field officer. It includes Lenduh Field, because a co-op that cannot record a field collection cannot evaluate us properly.
What if we miss a payment?
You get a 14-day grace period in which the workspace becomes read-only — you can still see everything, you just cannot post. If it is still unpaid after that, the account moves down to the Free plan rather than being closed. Your records stay yours.
Can we change plans later?
Yes, from Billing, yourself, at any time. A plan change applies immediately, and the new price applies from your next billing period. If a downgrade would put you over a cap, we tell you which one before you confirm.
Why is savings only on the cooperative plans?
Because of the law, not the price list. Under RA 9474 a Philippine lending company may not accept deposits — that is banking and needs a BSP licence. Cooperatives may take deposits from their members under RA 9520. So savings is switched on for CDA-registered co-ops and off for lending companies, whatever plan they are on.
Do you charge a setup fee?
No. Onboarding and guided setup are included. Migration of your member, borrower and loan records is included on paid plans; an unusually large or messy dataset is quoted separately, from ₱10,000, and we tell you before any work starts.
Not sure which plan fits?
Tell us how many members or borrowers you carry, and whether you file with the CDA. That is usually enough for us to point at the right row — and we will say so if the free plan is genuinely all you need.