Features

Everything a small lender needs, nothing they don't

Every part of the product is included in the one plan.

Leads and customers

  • A public apply form that sends enquiries straight to your team
  • Convert a lead to a customer in one step
  • Phone numbers masked on screen, revealed only when needed
  • Customer details, loans and messages on one page

KYC and documents

  • ID documents set per country: built in for India, the US and the UK, with a general option for everywhere else
  • ID numbers stored encrypted, shown masked, with every reveal logged
  • Upload and review KYC documents, with a verification status
  • Duplicate ID numbers are caught before they become two customers

Loans and schedules

  • Applications, approval, disbursal, and an EMI schedule built for you
  • Flat or reducing-balance interest
  • Advance interest and fees taken at disbursal, with the net payout shown
  • Late charges, prepayments and restructuring

Repayments and receipts

  • Record payments against the right EMI
  • Numbered receipts you can share or print
  • Printable loan statements
  • Review payments before they count, if you want a second pair of eyes

Collections

  • What is due, overdue and pending, in one list
  • Collection agents see only their assigned loans
  • Reports for the portfolio, overdue loans and customer concentration
  • Cash reserve tracking against what you disburse

Customer portal and reminders

  • Borrower sign-in by one-time code
  • Loans, schedules, statements and receipts for each borrower
  • Reminders by WhatsApp with an email fallback
  • Borrowers can ask to prepay from the portal, if you switch that on

Getting paid

  • UPI QR codes and a default or secondary UPI ID in India
  • Instructions for other payment methods elsewhere
  • Optional online payment links through Razorpay, Mollie or Stripe
  • Online payments that need your attention are flagged

Made for more than one country

  • Your own currency, number and date format and time zone, chosen in Business Settings
  • Phone numbers for every country, and address checks by country
  • Your business name, logo and your own web address on the hosted plan

Team, roles and audit

  • Admin, data entry, collection agent and read-only roles
  • Each role sees and does only what it should
  • An audit log of who changed what, and when

Automatic reminders

A lending app with automatic EMI reminders

Most late payments are forgotten, not refused. Lend Chief reminds borrowers for you, so you do not have to message each one by hand.

  • A reminder the day before an EMI is due, and again on the due day
  • A daily reminder at 10:00 in your time zone while an amount stays overdue, naming the total overdue
  • Sent by WhatsApp, with an email fallback
  • Only to borrowers who have agreed to receive reminders
  • One message per loan per day, even when several EMIs are unpaid

Try it with your own loans

14 days free. No card.

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