Loan Management System
Loan management systems for servicing portfolios — schedules, repayments, restructuring, statements and accounting.
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Division
Service area
Lending & Credit Platforms
Engagement
Project · Team · Managed
Overview
A loan management system (LMS) is the system of record for active loans: repayment schedules, payments, interest accrual, fees, restructures, payoffs, statements and accounting entries. We build LMS platforms that handle real-world complexity — early repayments, payment holidays, partial payments, rate changes, charge-offs — with precise calculations and audit trails.
Common use cases
- Consumer loan servicingInstalment and revolving loan portfolios.
- SME loan servicingBusiness loans with covenants and variable schedules.
- Legacy LMS replacementModernising outdated servicing systems.
- Portfolio acquisitionOnboarding acquired loan books.
Quick answers
Loan Management System at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is loan management system?
- Loan management systems for servicing portfolios — schedules, repayments, restructuring, statements and accounting.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Schedule engine
- Payment allocation
- Modifications
- Accrual & fees
- Statements
- GL integration
- Which technologies are used?
- Double-Entry Ledgers, Python, Java, PostgreSQL, Apache Kafka, Open Banking APIs — chosen to fit your stack and constraints.
- How does the process work?
- Product definition → Data & decisioning → Origination journey → Servicing & collections → Reporting.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Schedule engine
Amortisation methods and custom schedules.
Payment allocation
Configurable waterfall rules.
Modifications
Restructures, holidays and term changes.
Accrual & fees
Daily accrual and fee assessment.
Statements
Borrower statements and notices.
GL integration
Accounting entries to the general ledger.
Architecture
Engineered right from day one
The layers we typically design for lending & credit platforms, adapted to your stack and partners.
- Configurable policyCredit rules versioned and editable by risk teams, with full decision audit.
- Explainable decisionsReason codes for every decision to support fair-lending obligations.
- Accurate accrualDay-count conventions, interest methods and edge cases handled precisely.
- Funding flexibilitySupport for balance-sheet, partner-bank and marketplace funding models.
Delivery
How an engagement runs
- 1
Product definition
Loan products, pricing, eligibility and credit policy with your credit team.
- 2
Data & decisioning
Bureau, bank data and alternative data integrations; rules and scoring.
- 3
Origination journey
Digital application, document capture and offer acceptance.
- 4
Servicing & collections
Repayment schedules, payment integration, delinquency workflows.
- 5
Reporting
Portfolio analytics, investor and regulatory reporting data feeds.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Related services
Often combined with
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End-to-end lending platforms: origination, decisioning, disbursement, servicing, collections and loan accounting.
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Credit platforms for lines of credit, revolving credit and credit cards — limits, drawdowns, statements and risk.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
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How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreFinTech app development cost: scoping payments, banking and lending products
FinTech budgets are shaped less by screens than by partners, ledgers, compliance and reliability. A guide to the drivers behind a neobank, wallet, payments or lending build.
Learn moreFAQ
Frequently asked questions
Can the LMS migrate existing loans?
Yes, with migration tooling that validates balances and schedules against the source system before cut-over.
Which interest methods are supported?
Common methods including simple, compound, actuarial and flat-rate, with configurable day-count conventions.
Do you provide credit models?
We build and integrate credit scoring models and decision engines. The credit policy and risk appetite remain yours; we implement them transparently and auditable.
Can the platform support multiple loan products?
Yes. Products are defined by configuration — terms, pricing, schedules, fees — so new products do not require new code.
Next step
Discuss Your FinTech Product.
Tell us about your loan management system requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.