A complete, battle-tested micro-lending system — handling the full credit lifecycle from online application to disbursement and repayment. Already processing real loans in production. Deploy it for your organisation in 3–6 weeks, not 6–12 months.
Platform Features
No plug-ins. No integrations to figure out. No features to build later. FlowLend ships with the full stack your lending operation needs from day one.
Online loan application forms built to National Credit Act standards. Required disclosures, affordability checks, and consent flows all handled in-system.
Borrowers sign their loan mandates digitally via OTP — capturing full legal IP metadata (timestamp, IP address, device). Eliminates paper, creates enforceable records.
Configurable credit assessment pipeline — income verification, affordability ratios, and approval/decline routing. Loan officers review flagged applications, auto-approve clean ones.
Full back-office dashboard for loan officers: review applications, approve/decline, track repayments, generate reports, and manage the entire loan book. Secured with 2FA.
Borrowers log in to view their loan status, repayment schedule, statement history, and outstanding balance. Reduces support calls. Available 24/7.
Self-service reconciliation tool — import your bank statement CSV and the system matches transactions against loan accounts automatically. Flags mismatches for review.
System auto-generates a branded PDF loan agreement on approval — pre-populated with borrower details, loan terms, and repayment schedule. Sent directly to the borrower.
Automated SMS at every key event: application received, approved, disbursed, repayment due, and overdue. Configurable templates. Reduces missed payments significantly.
Separate access levels for administrators, loan officers, and clients. Nobody sees what they shouldn't. Full audit log of every action in the system.
Integrated with NuPay for debit order processing and payment collections. Handles DebiCheck mandates. Payments reconcile automatically against loan accounts.
Visual loan book overview — total disbursed, outstanding, overdue rates, collections performance, and custom date-range reports. Export to PDF or CSV.
Deployed under your business name — your logo, your colours, your domain. Borrowers see your brand, not ours. Fully white-labelled from day one.
System Architecture
FlowLend is built as a unified platform — every portal shares a single database and business logic layer. No data silos. No sync issues.
Borrower-Facing
Operations
Management
All three portals are served from a single NestJS API backend with JWT-secured endpoints. Deployable to any VPS or cloud provider (AWS, DigitalOcean, Hetzner). PostgreSQL database with automated backups.
How Deployment Works
We configure FlowLend for your business — your branding, your loan products, your workflows — then hand it over fully set up. You don't need to hire developers. You just need to run the lending business.
30–60 minute call to understand your loan products, borrower profile, compliance setup, and operational requirements. We document everything before writing a single line of config.
Week 1We apply your logo, colours, and domain. Configure your loan products (amounts, terms, fees, interest rates). Set up user roles and access permissions for your team.
Weeks 1–2Wire up your SMS provider and NuPay payment details. Run end-to-end test loans through the full lifecycle. Fix any edge cases specific to your products.
Weeks 2–4Walk your team through the admin panel, loan officer tools, and reconciliation process. Provide documented SOPs for your operation.
Week 5Launch to production. MDG provides 30 days of post-launch support included — we're reachable on WhatsApp for any issues during your first month of operations.
Week 6Built For
Any organisation that lends money and needs a professional system to manage it — without spending 6–12 months and R500k+ building from scratch.
Built on
Tell us about your business. We'll scope a deployment and give you a fixed price within 3 business days.
Pricing depends on deployment scope. Fixed price. No hidden costs. Includes 30 days post-launch support.