Ready Solutions · Loan Management

ERP36T Loan Management

The full lending lifecycle, from application to closure. ERP36T Loan Management runs applications, approvals, disbursements, repayment schedules, collections and reminders, with accounting entries created as the loan moves.

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Available on ERP36T plans; your proposal confirms the right plan for your lending operation. See pricing

Overview

What Loan Management does

Loan management is essential for controlling the full lending lifecycle, from application and approval to disbursement, repayment, collections, and closure. ERP36T Loan Management module is designed to streamline borrower onboarding, loan processing, repayment scheduling, recovery follow-ups, and financial tracking in one connected system. By automating loan setup, installment schedules, reminders, collections, customer communication, and accounting entries, businesses can reduce manual effort, improve repayment visibility, and maintain better control over lending operations. This helps organizations manage customer loans more efficiently, improve recovery performance, and deliver a better borrower experience.

Loan Management runs on the same ERP36T platform and database as every other module, so its records are shared, not copied, across the business.

ERP36T Loan Management: Workspace with quick access links and loan report screens — Workspace with quick access links and loan report screens

What's included

Loan Management components.

What the Loan Management module covers, out of the box.

Loan Product Management
Loan Application Management
Borrower Profile Management
Customer Portal
Customer Onboarding
KYC and Document Collection
Loan Eligibility and Assessment
Loan Approval Workflow
Interest and Term Configuration
Repayment Schedule Management
Installment and Amortization Tracking
Disbursement Management
Partial and Multiple Disbursement Handling
Collateral and Security Management
Pledge and Unpledged Security Tracking
Loan Account Management
Loan Repayment Processing
Advance Payment and Prepayment Handling
Penalty and Late Fee Calculation
Interest Accrual Management
Collections and Recovery Management
Payback and Recover Options
Payment Reminders
Due Date Alerts
Follow-Up Management
SMS and Email Notification Integration
Payment Reconciliation
Write-Off and Settlement Management
Restructuring and Rescheduling
Delinquency Tracking
Overdue and Aging Analysis
Customer Communication History
Loan Closure Management
Accounting Integration
Sales Integration
CRM Integration
Dashboard and Loan Analytics
Compliance and Audit Trail

Key features

What you can do with Loan Management.

Applicant PortalModern self-service portal empowering customers to manage their loan journey independently with real-time updates on application status, approvals, payments, repayments, and disbursements.

Multi-Method AuthenticationSecure login system supporting ID card, email, and phone number authentication with advanced security measures including rate limiting, password strength requirements, and session management.

Loan Application ManagementComprehensive application processing with dynamic forms, collateral management, guarantor tracking, document attachment, automated status workflows, and real-time validation.

Automated Payment SchedulingFlexible payment schedule generation with support for multiple repayment methods, automated EMI calculations, partial payments, prepayment handling, and dynamic schedule adjustments.

Real-Time Loan CalculationsAutomated calculations for disbursement totals, payment history, outstanding balances, interest accrual, aging analysis, and transaction summaries with instant recalculation capabilities.

Disbursement ManagementMultiple disbursement methods including bank transfer, check, and mobile money with support for partial disbursements, automated accounting entries, and complete transaction tracking.

Repayment ProcessingFlexible repayment handling with automatic principal/interest allocation, payment method support, prepayment processing, penalty management, and schedule updates.

Collections & Delinquency ManagementAutomated aging bucket classification, multi-channel reminder campaigns, payment rescheduling options, settlement negotiation tools, escalation workflows, and collection performance tracking.

Credit Assessment & UnderwritingAutomated credit scoring models, manual risk assessment workflows, decision recommendation engines, risk flag identification, reviewer assignment, and comprehensive decision audit trails.

Document ManagementSecure document upload and storage with version control, document linking to applications and accounts, retention policy management, advanced search capabilities, and access control with audit logging.

Customer Profile ManagementEnhanced customer onboarding with KYC verification, comprehensive data collection, family member tracking, credit history management, and integrated document storage.

Guarantor ManagementMulti-guarantor support with relationship tracking, reference document linking, notes management, and comprehensive guarantor information throughout the loan lifecycle.

Security & Collateral ManagementCollateral valuation tracking, haircut calculations, security type management, proposed pledges, post-haircut amount calculations, and maximum loan amount determination.

Multi-Loan SupportTrack multiple loans per applicant with consolidated views, cross-loan reporting, unified payment tracking, and comprehensive portfolio management.

Real-Time Dashboard AnalyticsConfigurable executive dashboards with key performance indicators, trend analysis, portfolio health monitoring, operational metrics, and customizable visual reports.

Comprehensive ReportingStandard and custom report generation including loan portfolio summaries, delinquency reports, product performance analysis, customer analytics, operational metrics, and regulatory compliance reports.

Print Formats & DocumentationProfessional print formats for loan application details with multi-loan support, transaction history, comprehensive summaries, professional styling, multi-page support, and PDF export capabilities.

Notification SystemAutomated notifications for application status updates, payment reminders, disbursement confirmations, overdue alerts, and custom communication workflows through email and SMS.

Audit Trails & ComplianceComplete audit trails for all activities, regulatory compliance tracking, decision documentation, transaction logging, and comprehensive history for audit requirements.

Role-Based Access ControlGranular user permissions with role-based access for loan officers, underwriters, collections agents, administrators, and customers with configurable security settings.

Integration CapabilitiesREST APIs for external system integration, core banking system connections, payment gateway integration, credit bureau connectivity, and webhook support for real-time notifications.

Payment Gateway IntegrationSecure online payment processing with multiple payment methods, auto-debit setup, payment reconciliation, refund handling, and comprehensive transaction tracking.

Mobile Responsive DesignFully responsive interfaces optimized for desktop, tablet, and mobile devices with consistent user experience across all platforms.

Advanced Search & FilteringPowerful search capabilities across all modules with custom filters, saved searches, advanced query building, and quick access to frequently needed information.

Data Import & ExportBulk data import capabilities with Excel/CSV support, data validation, error handling, and comprehensive export options for reporting and analysis.

Workflow AutomationConfigurable approval workflows, automated task routing, conditional logic, escalation rules, and customizable business process automation.

API & Webhook SupportComprehensive REST APIs for all modules, webhook notifications for real-time updates, third-party integration capabilities, and developer-friendly documentation.

Multi-Currency SupportHandle transactions and reporting in multiple currencies with real-time conversions, exchange rate management, and consolidated financial reporting.

Performance AnalyticsGain insights with dashboards and KPIs to measure loan portfolio performance, operational efficiency, collection effectiveness, and customer satisfaction metrics.

Compliance ManagementAdhere to regional regulations with built-in compliance tools, regulatory reporting, KYC/AML verification, risk assessment frameworks, and audit-ready documentation.

Chatbot IntegrationEnhance customer interaction with AI-driven chatbot capabilities for common inquiries, application status checks, payment information, and support requests.

Standard on every ERP36T module (18)

Record HistoryTrack changes to records with a detailed audit trail for accountability including modification timestamps, user tracking, change logging, and version history.

Integration with Legacy SystemsSeamlessly connect with existing legacy systems for smooth transitions including data migration, system integration, and phased deployment support.

B2B IntegrationFacilitate business-to-business connections and workflows effectively with partner portals, API integrations, automated data exchange, and collaborative features.

B2C IntegrationConnect directly with consumers for streamlined operations and services through customer portals, mobile apps, online applications, and digital onboarding.

WhatsApp IntegrationEngage with users through WhatsApp for efficient communication including automated notifications, customer support, document sharing, and payment reminders.

Social Media IntegrationExpand your reach by connecting with social media platforms for marketing, customer engagement, application promotion, and brand awareness.

WorkflowStreamline processes with configurable workflows tailored to business needs.

ChatbotEnhance customer interaction with AI-driven chatbot capabilities.

Notification & Event SchedulerAutomate reminders and schedule events for efficient task management.

Data Upload & DownloadEasily import and export bulk data for seamless operations.

Bulk Records UpdateUpdate multiple records simultaneously with user-friendly tools.

OAuth Security including 2FAEnsure secure access with OAuth protocols and two-factor authentication.

Google PluginsIntegrate seamlessly with Google Workspace tools for enhanced productivity.

To Do Task ManagementKeep track of tasks and prioritize with a built-in to-do list feature.

Document Management & SharingOrganize and share documents securely across teams and departments.

Full Data & Feature Security User ControlsControl access to data and features with robust user permission settings.

Self Services and Web PortalEmpower users with self-service options and an intuitive web portal.

Payment GatewayFacilitate online payments with secure and integrated payment gateways.

Screenshots

Loan Management in ERP36T.

Real screens from ERP36T. Select any screen to open it full size.

ERP36T Loan Management: Workspace with quick access, reports and masters links — Workspace with quick access, reports and masters links

ERP36T Loan Management: Home dashboard with application trends and receivables ageing — Home dashboard with application trends and receivables ageing

ERP36T Loan Management: Payment plan vs actual report with loan amount chart — Payment plan vs actual report with loan amount chart

ERP36T Loan Management: Trial balance report with loan and bank accounts — Trial balance report with loan and bank accounts

ERP36T Loan Management: General ledger report with loan disbursement entries — General ledger report with loan disbursement entries

Why it matters

Why teams run Loan Management on ERP36T.

ERP36T Loan Management helps lenders improve control, borrower service, and recovery efficiency. It provides a complete platform for managing applications, approvals, disbursements, repayment schedules, collections, reminders, and settlements, while also supporting customer portal access so borrowers can review loan details, payment history, and repayment obligations in a more transparent way. The system supports automated reminders and follow-ups through integrated communication channels, helping reduce missed payments and strengthening collection efforts. With seamless integration into accounting, sales, and CRM workflows, along with real-time reporting, penalty calculation, reconciliation, and recovery tracking, ERP36T Loan Management enables organizations to reduce manual processing, improve financial accuracy, and manage lending operations with confidence.

Connected across ERP36T

One platform, one database.

Available on ERP36T plans; your proposal confirms the right plan for your lending operation. ERP36T is priced by plan, not by module. See pricing

Works with the rest of ERP36T.

Accounting

Financial control without disconnected systems.

Explore Accounting

CRM

Every lead, deal and customer conversation in one place.

Explore CRM

Sales & Retail

The complete sales cycle, from quotation to payment.

Explore Sales & Retail

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