Workflow
Features
Lifecyle
Contact
Rypaci I.T. Solutions — Web Design & Software Development
LOAN
MANAGEMENT
SYSTEM
A complete end-to-end platform for managing borrowers, loan applications, disbursements, repayments, and collections — built for modern financial institutions.
Complete Flow Guide
Every Step,
Covered
From initial setup to financial tracking — the system guides your team through every stage of the loan lifecycle with precision and clarity.
Setup & Configuration
Define borrower types, loan types, agents, collectors, zones, and time frequencies. One-time reference data that powers the entire system.
Borrower Registration
Create detailed borrower profiles with personal info, financial data, next-of-kin, bank accounts, and optional surety (guarantor) linkage.
Loan Application
Submit loan applications with amount, purpose, type, and status (Approved / On Hold / Rejected). No funds disbursed at this stage.
Disbursement
Release funds and auto-generate a payment schedule detailing due dates, principal, interest, and total amount per installment.
Repayments
Record received payments with automatic allocation — interest is satisfied first, then principal. Supports late fees and multiple payment modes.v
Collections
Log follow-up calls, generate demand letters, and escalate to debt collection — with full tracking of actions, remarks, and next steps.
Loan Management
Regenerate payment schedules after term changes, mark fully-paid loans as Closed, or flag unrecoverable loans as Bad Debt.
Financial Tracking
Manage vouchers, ledgers, and accounting books to maintain full financial visibility across all active and closed loan accounts.
Key Capacbilities
Built for
Precision
Every feature is designed around the real-world workflows of loan officers, collectors, and finance teams.
Loan Status Lifecycle
Form Application
to Resolution
Every loan moves through a structured lifecycle — ensuring full traceability and accountability at every stage.
Created & ReviewedApplication
The user submits their application along with all required details and documents. The system or team then reviews the submission to ensure everything is complete and meets the initial requirements.Ready for DisbursementApproved
Once the application passes the review process, it gets approved. This means the request meets all criteria and is now ready to move forward.Active & ScheduledDisbursed
At this stage, the approved amount or service is released to the user. The account or service becomes active, and any schedules (like payments) are set.Ongoing PaymentsRepayments
The user begins fulfilling their obligations based on the agreed schedule. This stage continues until the balance is fully settled.Collections TriggeredOverdue
If the user misses a scheduled payment, the account enters an overdue status. Actions may be taken to recover the balance.
SELECT YOUR PLAN
Choose the Plan That
Fits Your Scale
Flexible pricing built for lending institutions of every size — from solo operators
to full-scale financial platforms.
to full-scale financial platforms.
STARTER
Per Borrower
Pay only for what you use. Ideal for small lending businesses scaling month by month.
Per Active Borrower
₱50
/mo
GROWTH
Monthly Subscription
Fixed monthly access for established lenders with a steady borrower base.
One-time Setup Fee
₱80,000
Monthly System Fee
₱15,000
/mo
ENTERPRISE
Loan App Package
Full custom build — LMS + branded website tailored to your organization's workflow.
LMS + Website Bundle
₱250,000 – ₱600,000
per project
Get Started Today
Ready to Streamline Your
Loan Operations?
Contact Rypaci I.T. Solutions to request a personalized demo and see how the
Loan Management System fits your organization's workflow.
Loan Management System fits your organization's workflow.