Loans & Lending.
From application to closure,
one loan management system.
Book loans, generate repayment schedules, disburse funds, and collect EMIs — with accounting and portfolio reports built in.
SolutionsInc Loans & Lending (Frappe Lending) helps UK finance and leasing teams run term loans, lines of credit, and co-lending — without spreadsheets running alongside your ledger.
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Term loan · £250,000
12 EMIs · 8.5% APR
Monthly · cycle date
Or line of credit
Define your offer once —
schedules follow automatically.
Loan Products set rate of interest, repayment schedule type, and accounting. On disbursement the system builds principal + interest tables — weekly, monthly, quarterly, or one-off.
Term loans & tranches Calendar months, repayment start date, or fixed cycle day — partial disbursements regenerate the active schedule.
Line of credit Sanctioned limit with multiple draws — several active repayment schedules at different frequencies.
Business Benefit: Consistent pricing and amortisation for every customer — no manual Excel models per deal.
Release funds and
start loan accounting.
Loan Disbursement pays the borrower or a third party (e.g. asset seller). Ledger entries begin here. Optional Withhold Security Deposit keeps one EMI as security at payout.
Sanction to cash in one flow Loan booking can auto-create disbursement — processing fees and charges attach to the first repayment or disbursement.
Loan demands on due dates When an EMI date arrives, Loan Demand raises principal and interest — accrued interest moves to receivable automatically.
Business Benefit: Finance sees the same numbers as operations from day one — no gap between “money out” and the books.
“Every disbursement and repayment posts to the ledger. Pair Lending with Accounting so interest income, penalties, and write-offs stay audit-ready — not buried in side spreadsheets.”
Explore Accounting
Collect EMIs with clear
payment allocation rules.
Loan Repayment uses Collection Offset Sequences — define how cash applies to interest, principal, fees, and penalties (standard loans, NPA, settlement, written-off assets).
Advance vs pre-payment Advance skips the next EMI; pre-payment reduces principal and reschedules the loan — both regenerate the repayment plan.
Auto write-off & small balances Within product limits, tiny shortfalls close the loan; modest overpayments park in customer refund accounts.
Business Benefit: Early repayments and partial collections are handled consistently — less manual rework for your credit team.
See outstanding, overdue, and
future cashflow.
Loan Outstanding Report tracks principal, interest, EMIs raised/paid/overdue — by product, applicant, or disbursement. Future and Past Cashflow reports support treasury planning.
Who is behind today? Filter the portfolio before arrears become a board-level surprise.
DPD & NPA monitoring Built-in days-past-due tracking and classification support regulatory and internal risk workflows.
Business Benefit: Leadership gets a live view of the loan book — not a monthly export stitched together overnight.
Partner banks and
shared schedules.
Loan Partner manages co-lending: partner share %, parallel co-lender repayment schedules, and accounting for amounts due to the partner on disbursement and collection. Collateral management and secured loans sit in the same LMS.
Split funding, one borrower view Track each lender’s share without duplicate loan records for the customer.
Employee loans via Payroll For staff advances, HR Loan Application links to Payroll deductions — simpler than a full lending desk.
Business Benefit: Scale partnerships and internal lending without bolting on a second system for each relationship type.
Lending connects to
payments, tax, and payroll.
Book → disburse → collect → report — alongside the rest of your SolutionsInc finance apps.
