EasyLoan Micro Finance & Easy Payment Management System

Features

A complete platform for microfinance lending and hire purchase — from account opening to final settlement.

Micro Loan Management

End-to-end microfinance lending from product setup to closure.

Configurable loan products (flat or declining interest, daily/weekly/monthly schedules)
Draft → approval → activation workflow with manager gates
Custom loans with manual schedule adjustment
Guarantors, collateral (vehicle, land, other), and account photos
Issue charges, add-to-capital, and collect-later fees
Disbursement vouchers, agreements, schedules, and ledgers
Centers and group lending support
Settlement with rebate and account closure
HP

Hire Purchase Management

Retail and asset finance for vehicles, electronics, and goods on HP terms.

HP contracts with product name, serial numbers, and descriptions
Sales price, down payment, and financed amount tracking
Dedicated HP numbering (HP prefix) and edit-before-activation
Shared approval, activation, schedule, and ledger engine
Vehicle registration and asset detail fields
Repossession orders, goods tracking, and resale workflow
Collection, recovery, receipts, and default interest (D/I)
Reminder letters and customer follow-up integration

Platform Capabilities

Everything that powers daily operations behind the two core modules.

Account Lifecycle

Manage the full journey from draft application through approval, activation, active servicing, settlement, cancellation, or write-off — for both micro loans and hire purchase contracts.

  • Product templates with configurable interest and tenure
  • Schedule preview before submission
  • Manager approval workflow
  • Activation with fund issue and voucher printing
  • Photo uploads and document trail

Collections & Recovery

Purpose-built tools for daily field collection and arrears recovery, designed for executives working in branches and managers overseeing performance.

  • Quick payment entry and settlement with rebate
  • Officer collection grids and recovery dashboards
  • Default interest (D/I) accrual, add, and deduct
  • Officer collection confirmation workflow
  • A5 and thermal POS receipt formats

Portfolio Intelligence

Real-time dashboards and reports help you monitor portfolio health, identify risk early, and track collection efficiency.

  • Operations dashboard with PAR and NPL metrics
  • NPL classification with detail drill-down and export
  • Officer performance and collection reports
  • Loan issue, balance, arrears, and reversal reports
  • Audit log for compliance

Risk & Asset Recovery

When accounts go bad, EasyLoan provides structured workflows for repossession, resale, write-offs, and customer follow-ups.

  • Repossession orders → goods → sales pipeline
  • Bad debt write-off with audit trail
  • Customer follow-up scheduling with notifications
  • Reminder letters for overdue accounts

Finance & Treasury

Optional accounting modules extend EasyLoan into expense tracking, income statements, and full treasury management.

  • Expense categories and income statement
  • Cash book and bank ledger
  • Finance parties and party payments
  • Monthly treasury summary and reports

Enterprise Architecture

Built as a multi-tenant SaaS-ready platform with organization PIN routing, per-client feature flags, and encrypted credentials.

  • Organization PIN → isolated database per client
  • Per-client module type: loan, HP, or both
  • Configurable feature flags and branch limits
  • Super admin client provisioning

Optional Add-ons

Extend your deployment with accounting, portfolio analytics, and communication tools.

Optional

Loan Portfolio Summary Dashboard

Optional dashboard tab — NPL classification, exposure matrix, and portfolio breakdown by product and branch.

Optional

Monthly Summary Dashboard

Optional dashboard tab — treasury inflows, outflows, and month-over-month comparison.

Optional

Reminder Letters

Bilingual reminder templates (English/Sinhala), batch printing, and issued letters report.

Optional

Basic Accounting

Expense tracking, expense categories, and Income Statement report.

Optional

Advanced Accounting

Other income, finance parties, party ledger, cash book, bank ledger, treasury KPIs, and Treasury report.

Ready to see EasyLoan in action?

Request a personalized demo for your organization.

Contact Us