Self-hosted lending system for micro-lenders, MFIs, pawnshops and credit cooperatives. Flat, declining-balance, annuity and balloon schedules · double-entry ledger · PAR 30/60/90 · penalties, waivers and any-date payoff quotes. Your server. Your data. One-time price.
Demo login: [email protected] / password (resets nightly)
Built for the daily reality of a lending office: origination, disbursement, collections, penalties, reporting.
Flat, declining balance (equal principal), annuity and interest-only + balloon. Equal-period or actual/365 · actual/360 accrual. Month-end due dates that never drift. Verified by a 1,600-combination invariant test suite.
Penalty → interest → principal, configurable per product. Partial and bulk amounts allocate correctly, overpayments are tracked as borrower credit, every payment prints a receipt and can be reversed with a mirrored ledger entry.
Daily accrual with grace days, principal or installment base, optional cap. Recomputing never double-charges; waivers stick and are audit-tracked.
Prorated or full-period interest, future interest always waived, prepaid interest netted out. The cashier sees the exact figure before confirming.
Every disbursement, fee, payment, reversal and write-off posts balanced journal entries. Money is stored as integer minor units, never floating point.
The industry-standard portfolio-at-risk metric per currency, plus a collections route sheet (today / week / month / overdue) with CSV export.
Loan officers originate, managers approve and disburse, with reject-with-reason and resubmission. Five roles, optional branch scoping, server-side permission gates on every money action.
Upcoming and overdue reminders on a daily schedule, deduplicated per installment, with a generic HTTP driver that adapts to almost any local SMS gateway.
Borrower profiles with photos, a collateral registry with photos, release tracking and a guarantor register, all searchable by phone in two keystrokes.
Most loan scripts demo well and then miscalculate interest in month three. Lendyra was built engine-first.
Both licenses include the full source code, all four interest methods, all reports and 6 months of support.
Card checkout is being set up; until then, order by email.
Instant download after checkout.
PHP 8.3+ with MySQL 8 or MariaDB 10.6+, so ordinary shared hosting works. Upload the files, open /install, follow the 3-step wizard (requirements → database → admin), add one cron line. No Node, no Redis, no queue worker required.
No. You get the complete, readable Laravel 13 + Livewire 3 source, a documented schema, and a real test suite (323 tests / 7,281 assertions) you can run yourself.
Yes. Every loan product defines its currency and decimal places, and all amounts are stored as integer minor units. Multiple currencies can run side by side; reports total per currency.
Every string goes through a single JSON language file. English, French, Spanish and Portuguese ship in the box; copy the file to translate into any other language.
Not yet. The roadmap follows buyer demand, and 1.1 already added restructuring, an audit trail, two-factor authentication, a collateral registry and email reminders. The core stays the lending back office that gets the calculations right.
Your installed version is shown in the app; each release ships with a changelog and an upgrade guide (replace files, run one migrate command). 6 months of updates are included.