Decisions you can explain
Decisions are built to record the evidence, the rules and the version of those rules that produced them, so a decision can be replayed and explained months later.
Lending, end to end.
One platform from the first enquiry to the final payment: application, credit decision, disbursement, servicing, and the support that matters when someone falls behind.
Built for the parts that are hard
Most lending systems handle the easy path well and struggle everywhere else. These are the places where the difficulty actually lives, and where this platform is designed to hold up.
An account history that cannot be rewritten
Balances are calculated from an append-only record of everything that happened. What an account looked like on any past date is a question with an answer. Built and in use today.
More than one rulebook
Credit law differs by country in almost every detail. Rules are held as versioned, dated data rather than baked into the software, so lending in a new market is meant to be a configuration exercise. No rule set governs a live decision until a named person has verified it against the primary source.
Arrears handled as a real journey
Falling behind is designed for rather than bolted on: affordable arrangements, clear information, and protections intended to hold automatically when someone enters a formal debt-relief process.
Every product shape
Instalment, secured, short-term, revolving, consolidation, guarantor, salary advance and more, intended as configurations of the same core rather than as separate systems.
Evidence, not assertions
Affordability evidence, disclosures and statutory notices are designed to be stored with proof of what was sent and when, because that record is what a regulator asks for.
Apply, and see what you asked for
Send an application and it is yours to look at afterwards: the amount, the term, the reason you gave, and where it stands. Nothing on that page is a decision, and it does not claim to be one. While you choose an amount and a term, you are shown what that would cost - as an illustration, never as an offer.
Send the papers that support your case
Attach payslips, statements or proof of address to your own application, and open them again whenever you like. Each file is checked against what it claims to be, because somebody will download it and open it on their own machine. Attach the wrong one and you can withdraw it: it leaves your application, and it does not use up one of the documents you may send.
Change your mind
An application you have sent is yours to withdraw, on its own page, before anything is decided. Your permission for us to hold what you told us is untouched by that - taking the application back is not the same as taking that back, and you can do either. The application stays on your list, marked withdrawn, because a record of what you asked for and when you changed your mind is worth more to you than a gap.
Take back your agreement
The permission you give for us to store and read your application is yours to withdraw. Doing so withdraws the application too, and the page says so before you act rather than after. What you agreed to, and the fact you took it back, are both kept.
Told what has been sent to you
Messages about your application are designed to be recorded as they are sent, with the date each one went, and shown back to you on the application itself - so what you were told is a matter of record rather than of memory.
See what borrowing would cost
Move the sliders to see the monthly repayment, and what the credit costs in total. The trade-off a longer term makes: a smaller monthly payment, a larger total cost.
What would it cost?
The sliders are not ready yet. The figures below are worked out for R50,000.00 over 24 months. If the sliders stay grey, this browser cannot hold the live connection the calculator needs, and the example below is still correct for that amount and term.
R1,000.00 to R350,000.00
6 to 72 months
- Monthly repayment
- R2,643.56
- Cost of credit
- R13,445.28
- Total you would repay
- R63,445.28
Illustrated at 24% a year (26.82% once monthly compounding is included).
This example is drawn for South Africa, at South African rates and amounts. It is an illustration, not an offer or a quotation. It assumes the rate shown and excludes any fees, charges or insurance, so it is not an APR. The rate and amount available to you depend on an affordability assessment and on the credit law of the country your agreement is written in.
Who this is for
LoanManagement is operated by lenders and their teams. If you have an account, sign in to continue. If your organisation is considering the platform, your Full Stack contact can arrange a walkthrough of the areas most relevant to you.