DataLendly Loan Management System
Manage the loan lifecycle from customer intake, age verification, and application through amortization, servicing, payoff, delinquency treatment, and collections in one workflow.
The Complete Loan Lifecycle
Customer Management
- Full customer profiles with contact, address, and identity fields
- Employment, income, and banking information tracking
- Credit score and KYC/banking verification status fields
- Customer loan and application history at a glance
- Customer-level amortization modeling scenarios
- Search and easy navigation to any customer
Application Management
- Create loan applications linked to customers
- Loan amount, interest rate, term, and payment frequency
- First payment date and product type selection
- Application stage tracking (New, In Review, Approved, Funded, etc.)
- Adjudication and approval status fields
- Application editing and an application-specific payment schedule
Inverite Age Verify
- Create Inverite age verification requests from the application
- Customer completes verification through a secure session link
- Status tracking: In Progress, Approved, Denied, Failed, Expired
- Refresh status to pull the latest result from Inverite
- Secure on-demand verification image retrieval (not permanently stored)
- Request history with full audit trail
TValue Amortization
- TValue-powered amortization calculations
- Application-linked schedules and customer modeling scenarios
- Versioned schedule revisions with full history retention
- Principal, interest, and payment breakdown per installment
- Provider-verified payment frequencies: Monthly, Bi-Weekly, Weekly
- Zero-balance reconciliation on every generated schedule
Loan Servicing
- Activate a loan for servicing from a calculated schedule
- Total Amount Owing: verified balance plus outstanding fees
- Next Payment, Financial Position, and Loan Cost Summary cards
- Record payments, failed payments, and partial / extra payments
- Refresh Balance for provider-verified outstanding balance
- Reamortize remaining balance after servicing changes
- Change due dates, defer payments, waive payments (Admin)
- Change verified payment frequency and add servicing notes
- Fees & Charges ledger with assess, pay, and waive actions
Payoff, Paid Off & Closure
- Get Payoff Quote with verified loan balance and outstanding fees
- Record Payoff Received (records externally received funds)
- Loan becomes Paid Off only when Total Amount Owing = $0.00
- Close Account (Admin) available only after Paid Off
- Closed accounts become read-only; history remains available
- Immutable servicing event log for full audit trail
Collections
- Collections queue with Days Past Due and Past Due Amount
- Delinquency buckets (Current, 1-7, 8-30, 31-60, 61-90, 91+ DPD)
- Open and manage Collection Cases with priority and assignment
- Record contact attempts, promises to pay, and case notes
- Hardship, dispute, and contact restriction tracking
- Payment arrangements with Admin approval and TValue recalculation
- Escalation, cure, and case closure workflows
Roles & Access Control
- Admin, Staff, and Reviewer business roles
- Capability-based access control (not just platform roles)
- Company membership administration
- Audit & Activity log for operational visibility
- Immutable servicing and collections history
- Tenant isolation — each company sees only its own data
Bank Verification Workflow — Demo
The IBV / Bank Verification area displays static demonstration data only. No live bank verification provider is connected. All income, transaction, and affordability figures are synthetic. Age Verify (Inverite) is a separate, live integration.
Important Product Scope
Recording a payment in the LMS logs money that was already received outside the system. The LMS does not process electronic funds, debit accounts, or move money. Record Payoff Received works the same way — it records externally received payoff funds.
Collections actions record and manage manual treatment activity. The LMS does notautomatically call customers, send SMS, send email, file legal proceedings, report to credit bureaus, or charge off loans.
The LMS has a fee/charge ledger, but fees are not automatically assessed. Authorized operators manually record late, NSF, or admin charges when applicable. No automatic late-fee, NSF-fee, or collection-charge automation is implemented.
Bank verification is currently demonstration functionality. No live provider is connected. Age Verify (Inverite) is a separate live integration.
The current environment is intended for synthetic / disposable proof-of-concept use unless separately approved for production use.
Role Access Guide
| Function | Admin | Staff | Reviewer |
|---|---|---|---|
| View Customers & Applications | |||
| Create / Edit Customers | — | ||
| Create / Edit Applications | — | ||
| Age Verify — View | |||
| Age Verify — Create / Refresh | — | ||
| Age Verify — View Images | — | ||
| Create Amortization Schedules | — | ||
| Revise Schedules | — | ||
| Archive Schedules | — | — | |
| Activate Loan Servicing | — | ||
| Record Payments | — | ||
| Record Failed Payment | — | ||
| Mark Past Due | — | ||
| Refresh Balance | — | ||
| Reamortize / Change Frequency | — | ||
| Change Due Date / Defer Payment | — | ||
| Get Payoff Quote | — | ||
| Record Payoff Received | — | ||
| Waive Payment (Admin Only) | — | — | |
| Reverse Payment (Admin Only) | — | — | |
| Assess / Waive / Pay Charges (Admin) | — | — | |
| Close Account (Admin Only) | — | — | |
| Work Collections Cases | — | ||
| Approve Arrangements (Admin) | — | — | |
| Audit & Activity | — | — | |
| Company & Access Management | — | — |
Access is controlled by business capabilities derived from your company membership, not just your login role.