LoanKit brings borrowers, loans, collections, field apps, accounting, member savings, and reports together, so your office and your field team work from the same live data. Here's what's inside.
The day-to-day tools that replace notebooks, spreadsheets, and disconnected apps.
One searchable record per borrower: profile, IDs, loan history, savings, and credit standing, shared across office and field.
Daily, weekly, semi-monthly, and monthly schedules with flat or diminishing interest, custom fees, and configurable penalties.
Office and field payments update balances and schedules instantly, with OR-numbered receipts and a clear daily worklist per collector.
Collectors record payments with no signal; everything syncs automatically when connectivity returns.
Field CI visits with GPS-tagged photos of the business, residence, and borrower, plus a checklist, score, and recommendation.
Penalties accrue on overdue accounts by your rules, consistent across every collector, borrower, and branch.
BIR-friendly books that balance automatically, with income statements, expense tracking, and reconciliations built in.
Cooperative-style forced savings (Capital Build-Up) tracked per member, passbook-style, alongside their loans.
Due-date and overdue reminders sent automatically, no more texting every borrower by hand.
From application to release, and tools your borrowers use themselves.
A public apply link per lender; applications flow into your review queue for CI and approval.
Manager approval or decline with a required reason, always a clear answer to "who approved this loan?"
Auto amortization schedule, net-proceeds calculation, fee handling, and a printed disclosure.
Borrowers check their balance, schedule, and payment history from their own phone.
Credit-limit rules for re-loans and structured restructuring of existing loans.
Editable disclosure and contract templates that auto-fill borrower and loan details.
What owners and managers need to run a tight, multi-branch operation.
Every branch's cash, portfolio, and collections in one owner dashboard.
Field collections are confirmed by the office before posting, an anti-skimming safeguard.
Overdue accounts ranked worst-first and assignable to loan officers for follow-up.
Portfolio, collections, delinquency, and income reports that stay current and print to PDF.
Staff, collector, CI officer, and manager roles with the right access for each.
Every action logged: who recorded, voided, or approved what, and when.
Borrower management, flexible loan products, office and field collections, offline collector and CI apps, automatic penalties, double-entry accounting, member savings, automated SMS reminders, online applications, a borrower portal, multi-branch reports, and a full audit trail.
Yes. The collector and CI apps work offline and sync automatically when signal returns.
Yes. Built-in double-entry accounting that stays balanced automatically, with income statements and reports.
Yes. A borrower self-service portal shows balance, schedule, and payment history from their phone.
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