Our WorkFinance and Lending

Finance and Lending

A loan book where the arithmetic is never done by hand.

SINAG Lending OS, a lending system we built to show what modern loan management should look like. Amortization schedules, interest, penalties and running balances recompute on every payment, with collections tracking built in.

Some names are changed or fictional in keeping with privacy and NDA commitments.

Lending dashboard with portfolio outstanding of 1.2 million pesos, collections progress, aging of past due accounts and a disbursements versus collections chart
Interface shown with sample data.
Collections queue sorted by days past due, with promise to pay tracking and contact logs
Loan detail with amortization schedule, penalty breakdown and payoff computation

The problem

Lending books on spreadsheets fail quietly. Interest is computed by hand and rounded differently each month. A penalty gets missed. A payment is posted against the wrong loan, and nobody notices until the borrower disputes the balance.

Worst of all, the number you actually need to run a lending business, which accounts are at risk right now, is the one a spreadsheet cannot tell you.

What the system does

  • Loan origination with principal, rate and term
  • An amortization schedule generated the moment a loan is created
  • Every payment recomputes balance, accrued interest and penalties by one rule, in one place
  • Aging buckets at 1 to 30, 31 to 60, 61 to 90 and over 90 days past due
  • A collections queue with promise to pay tracking and a contact log per account
  • Borrower statements and portfolio reports on demand

How it works

  1. 01

    A loan is created with its terms: principal, rate and repayment period.

  2. 02

    The full repayment schedule is generated up front, every due date and every amount.

  3. 03

    A posted payment settles penalties, then interest, then principal, and the balance is recomputed.

  4. 04

    Anything past due lands in the collections queue with its penalty math shown.

  5. 05

    Promises to pay are logged with dates and tracked as kept or broken.

  6. 06

    The portfolio view rolls up the whole book, so risk is a number, not a hunch.

Why we built it

Financing companies kept asking us what their loan book should look like. Instead of describing it, we built it. This concept is the starting point we shape to each lender's actual rules.

Lending on spreadsheets ends here.

SINAG is ready to be shaped to your rules. Tell us how your lending actually works and we will show you the system running.

Tell Us About Your Businessinfo@eulclavieoutsourcing.com