EMI & Loan Management
Lending software fails on the details: a rounding error in an amortisation schedule, a missed grace period, a collection reminder sent to the wrong borrower. We build EMI platforms where those details are tested, not assumed.
What this looks like in practice
From application and credit assessment through disbursement, repayment scheduling, penalty handling and settlement, every state change is recorded and reversible. Finance teams get reconciliation they can defend during an audit; borrowers get a portal that shows exactly what they owe and why.
Typical stack
- Next.js
- NestJS
- PostgreSQL
- Redis
- BullMQ
- bKash API
- Nagad API
Accurate amortisation
Flat, reducing-balance and custom schedules with part-payment, restructuring and early-settlement handling — all covered by tests.
Automated collections
Scheduled SMS, email and WhatsApp reminders, configurable escalation ladders, and delinquency bucketing.
Payment gateway integration
bKash, Nagad, card and bank-transfer reconciliation with automatic receipt matching against instalments.
Audit-ready reporting
Portfolio-at-risk, ageing, provisioning and regulatory report exports generated from an immutable ledger.
EMI & Loan Management Questions
The things clients ask us most often, before the first call.
Does it handle bKash and Nagad repayments?
Yes. We integrate the merchant APIs for both, plus card and bank transfer, and reconcile incoming payments against outstanding instalments automatically — including partial payments and overpayments.
Can it manage different loan products at once?
Yes. Products are configurable: interest method, tenure, grace period, penalty rules, fees and eligibility criteria are all defined per product, so you can run consumer EMI, SME lending and microfinance portfolios side by side.
How is financial data kept accurate?
Every transaction is written to an append-only ledger with double-entry semantics. Balances are derived from that ledger rather than stored and updated, which removes an entire class of drift bugs and makes reconciliation straightforward.
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