For Lenders, Finance Companies & Fintechs

Own the System
Your Loan Book Runs On.

Equipment finance, specialty consumer lending, factoring, private credit. We deploy the open-source lending app built on ERPNext — plus your accounting, borrower records and document AI — inside your own Google Cloud account. One database, one audit trail, and no cut of what you originate.

Request Lending Assessment How We Handle Your Data →

Where Lenders Lose Time

Your Loan Book And
Your Ledger Disagree

Most small lenders run a servicing platform for the loans and an accounting package for the books, joined by a monthly export and somebody's spreadsheet. The two drift. Then a funding partner asks for a portfolio report and the answer takes three days to assemble.

Month-End Reconciliation by Hand

Interest accrued in one system and posted in another has to be tied out manually. It is slow every month, and the month it goes wrong is the month you find out late.

Files Scattered Across Inboxes

Applications, statements and signed documents live in email and shared drives. When a file is questioned, reassembling it is an afternoon of searching rather than a click.

Paying for Every Person Who Logs In

Charging per user pushes small teams into shared logins — which is exactly what destroys the audit trail an examiner or funding partner will ask you to produce.

A Platform That Takes a Cut

Software priced against originations or balances means your best year is also your most expensive one, and the cost is hardest to bear exactly when you are trying to grow the book.

One System

The Loan Book Is the Ledger

When servicing and accounting are the same system, an interest accrual is not exported and re-keyed — it posts once. The portfolio report and the financial statements read from the same records, so they cannot disagree.

Reconciliation Nothing to tie out
Audit trail Every change, every user
Your data Your Google Cloud

What You Get

Built for the Work
a Lender Actually Does

TOOL: LOAN_BOOK_&_SERVICING

Loan Book & Servicing

Open-Source Lending Core

Set your own products, rates and repayment structures, then let the system run the schedule — payments due, interest accrued, late fees applied. The loan book and the general ledger are the same system, so what your servicing screen says and what your accountant sees never drift apart.

TOOL: BORROWER_RECORDS

Borrower Records

CRM

Every application, document, call note and payment promise sits on the borrower's record instead of in someone's inbox. When a file is questioned six months later, the history is one click away rather than a reconstruction job.

TOOL: DOCUMENT_READING

Document Reading

Invoice Checker

Bank statements, pay stubs and tax forms arrive as PDFs and scans. Google's document AI pulls the figures out and files them against the right application, so your underwriters spend their time on the credit decision instead of on data entry.

The Loan Lifecycle

Origination Through Payoff,
On One Record.

The lending app is open source and covers the whole life of a loan. Because it runs on the same platform as your accounting, each step writes to the books as it happens instead of at month end.

Products & Origination

Your Terms, Not a Template

Define your own loan products — rates, fee structures, and how repayment is scheduled. An application carries its documents and decision history with it rather than living in a separate origination tool.

Because the platform is open source and built on a standard Python and JavaScript stack, a product structure your current vendor calls a custom development request is usually a configuration change here.

Disbursement & Schedule

Money Out, Schedule Set

Disburse in full or in stages, and the repayment schedule follows the product's own logic. The corresponding accounting entries post automatically, so the books reflect the disbursement the day it happens.

Staged draws are treated properly rather than being approximated with journal entries after the fact — which matters for construction, equipment, and project lending.

Servicing & Collections

Interest, Payments, Arrears

Interest accrues, payments are applied against the schedule, and overdue accounts age on their own. Collectors work from a live list of what is actually past due, with every call note and payment promise on the borrower's record.

Every servicer and collector gets their own login, so each action is attributable. No shared accounts, no gaps in the trail.

Collateral & Reporting

Security Held Against the Loan

Collateral, guarantees and pledged securities are tracked against the loans they secure. Portfolio reporting reads from the live book, so a funding partner's request is a report rather than a three-day assembly job.

Where a regulator, auditor or credit bureau needs a specific format, we build that export against your data — it is your system, so nothing blocks the change.

Fit Criteria

Equipment finance companies, specialty consumer and small-business lenders, factoring firms, and private credit managers get the most out of this — typically teams of 5 to 75 people who have outgrown a spreadsheet plus accounting package, but do not want a closed platform that prices against the size of their book.

If your lending operation sits outside that shape, get in touch anyway. Loan books differ enormously, and we scope each one on how your products, funding structure, and reporting obligations actually work.

Buying Committee

What Your Team Will Ask
Before Making a Move.

Changing the system your loan book runs on is not a decision one person makes. Here is how we answer the questions each desk will raise.

Credit & Risk Head of Credit / Chief Risk Officer

"Can I see the true state of the portfolio without waiting for a report to be built?"

Yes, because there is one copy of the data. Arrears ageing, concentration by product or borrower, and performance by vintage all read from the live loan book rather than from an extract someone assembled last week.

You also have direct access to the underlying database. If your risk team wants to run its own query or connect its own analysis tools, nothing stands in the way — it is your system and your data.

Finance Controller / CFO

"How much of month-end goes away, and what does this cost as the book grows?"

The reconciliation between the servicing system and the ledger goes away, because there is only one system. Accruals, payment applications and fees post as they happen instead of being exported and re-keyed.

On cost: a flat monthly management fee plus Google Cloud computing at cost. No fee for every employee who logs in, and no percentage of originations or balances — so doubling the book does not double the software bill.

Compliance & Operations Compliance Lead / Head of Servicing

"When an examiner or funding partner asks for a file, how long does it take to produce?"

As long as it takes to open the record. Application, documents, decision history, every payment and how it was applied, and every change with the user and timestamp attached — all on one borrower record, because everyone works in the same system under their own login.

To be clear about what software can and cannot do: this keeps the records compliance depends on. It does not hold your licences or make your disclosures for you. Where a specific report or export format is required, we build it.

Side by Side

Owning Your Lending Stack
vs. Renting a Closed Platform

Pricing Basis

Infinary: Flat fee plus compute at cost, independent of book size.

Closed platform: Priced per user, per loan, or against balances.

Servicing & Accounting

Infinary: One database — nothing to reconcile.

Closed platform: Two systems tied out by hand each month.

Team Accounts

Infinary: Unlimited logins, so every action is attributable.

Closed platform: Per-user charges that encourage shared logins.

Data Location

Infinary: Your own Google Cloud, keys held only by you.

Closed platform: Vendor-hosted on shared infrastructure.

Lending Questions

Frequently Asked Questions

Is loan management actually part of ERPNext, or is it a separate product?

It is a separate open-source app called Frappe Lending, built on the same Frappe framework as ERPNext and released under the GPL-3.0 licence. It covers loan products, disbursement, collateral and guarantees, automated accounting entries, and credit and compliance reporting. We deploy it alongside ERPNext in your own Google Cloud account so the loan book and your accounting run on one database, not two systems bolted together.

Can our servicing staff, collectors, and outside counsel all have logins?

Yes. Every servicer, collector, underwriter, and read-only reviewer gets their own account at no extra cost, with permissions scoped to what they should see. That matters more in lending than in most fields: shared logins destroy the audit trail, and an audit trail is the thing an examiner asks for first.

Does this make us compliant with lending regulations?

No — and be careful with any vendor that says otherwise. Software does not hold your licences or make your disclosures. What it does is keep the records that compliance depends on: who changed a rate and when, what the borrower was sent, how a payment was applied, and a complete history that reconstructs any file on demand. Your licensing, disclosure, and reporting obligations stay yours, and we build the specific reports and export formats your regulator or bureau asks for.

Where does our borrower data actually live?

In your own Google Cloud account, in a private section no other company shares, with encryption keys only you hold. That matters when you are handling financial records for consumers or businesses: you can point an examiner or a funding partner at exactly where the data sits and who can reach it. We never hold your data on shared infrastructure.

How do we get this through our own security review?

We walk your risk function or outside consultant through the actual deployment — how access is controlled, what is logged, how backups and encryption keys are handled — and hand over documentation of how it is configured for you. Because the system runs in your own Google Cloud account, your team can verify most of it directly from their own console rather than taking our word for it. Where you need specific commitments in the contract, we sign them per engagement.

What does this cost compared to a closed loan servicing platform?

You pay a flat monthly management fee — $1,000 for Foundation or $2,500 for Operations — plus raw Google Cloud computing passed through at cost with zero markup. There is no fee for every employee who logs in and no cut of the loans you originate or service, so growing the book does not grow the software bill.

Can we move an existing loan portfolio onto this?

Yes. We migrate borrower records, active balances, payment history, and the accounting behind them, then reconcile the loan book against your existing trial balance before anything goes live. That reconciliation is the part that matters — a lending migration is only finished when the numbers in the new system agree with the numbers you have already reported.

Real Businesses, Now on Software They Own

Field Service · Exterior Cleaning

A multi-crew exterior-cleaning business swapped spreadsheet scheduling and hand-typed invoices for one system they own — every crew lead and office user included, with no fee for adding people as the team grows.

Design & Build · Water Features

A custom water-feature design and installation business brought quoting, job-costing, and recurring maintenance contracts together in one system they own — with all their business data living in their own Google Cloud account.

Read the case study

Built on a foundation we don't rent

Google Cloud ERPNext business software Google's business AI Encryption keys only you hold
Security

How we handle your data

 Case Study

Four systems replaced by one

 Pricing

What the plans cost
Get the move readiness checklist →

Your Book.
Your System.

Tell us how your loans are structured and where the month-end time goes. We will map it to a system you own — and say plainly if we are not the right fit.

Request Lending Assessment

Legal Notices & Trademark Attribution

Frappe® and ERPNext® are trademarks of Frappe Technologies Pvt. Ltd. The lending application referenced on this page is Frappe Lending, distributed under the GPL-3.0 licence. Infinary is an independent implementation partner and is not affiliated with, endorsed by, or sponsored by Frappe Technologies Pvt. Ltd.

Google Cloud™ is a trademark of Google LLC. Infinary is not affiliated with, endorsed by, or sponsored by Google LLC.

Infinary provides software deployment and managed services. We do not provide legal, regulatory, lending, or compliance advice, and this page is not such advice. Lending licences, borrower disclosures, and regulatory and credit reporting obligations remain the responsibility of the lender. Whether any configuration meets a particular obligation depends on your products, jurisdictions, and regulators, and should be confirmed with your own counsel and compliance function.

Infinary makes no claim to hold any security certification or attestation. The security controls described on this site are documented on our security page and can be reviewed directly by your own risk function before any engagement.

Third-party pricing and feature descriptions referenced on this page are derived from publicly available sources including vendor websites, published rate cards, and third-party analyst reports as of Q1 2026. These figures are provided for general comparative illustration only and may not reflect current, past, or future pricing, packaging, promotional offers, or contractual terms of any third-party vendor. Actual costs may vary significantly based on deployment configuration, negotiated discounts, geographic region, and contract terms.

Revenue and headcount ranges describe the businesses this setup typically suits. They are guidance, not eligibility criteria, and are not a guarantee of any particular outcome. Cost comparisons are internal models based on the assumptions above and are not a quote.