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For private & commercial lenders

Money lender software that does the chasing for you

For the independent lender running a book of fast cash loans — products, interest, reminders and arrears, all in one place.

You got into this to lend money and earn on it — not to spend every afternoon on the phone reminding people to pay. But the book grew, the spreadsheet sprawled, and now the maths, the penalties and the chasing eat the day. The people who pay on time you barely think about. It’s the ones who don’t that quietly run your business — and your week.

Where it breaks

What running a lending book really takes

The lending part is the easy part. It’s the pricing, the penalties, the records and the chasing that decide whether the book actually makes money.

Every new loan means working out interest and a schedule by hand.

You set up your loan products once — rate, fees, term — and every loan after that prices itself. A new deal goes out in minutes with the schedule already done.

You spend your days chasing late payers instead of writing loans.

Lendbox does the chasing — automatic reminders go out, and an arrears view shows exactly who to call first. Your time goes back into lending, not phoning.

A borrower comes back and you can’t remember how they paid last time.

Every borrower has a full history — past loans, how they repaid, what they still owe — on one screen, so you decide to lend again with the facts in front of you.

Penalties and fees get calculated differently every time.

Interest, late penalties and fees are applied by the system, the same way for everyone, on a statement the borrower can actually understand. No arguments, no leakage.

You can’t say what the business actually made this month.

Money out and money in are tracked against every loan, so interest earned, fees and arrears roll up into a clear picture of what the book is really making.

How it fits

How Lendbox runs your money lending business

Money lender software (or moneylender software) gives an independent lender one place to run the whole book — setting up loan products and interest, disbursing fast, applying fees and penalties consistently, automating reminders and arrears, and tracking each borrower’s history and what the book earns. Not a feature list — just the four things that turn a busy lending book into a calm, profitable one.

Fast loans, out the door

Your edge is speed. Lendbox takes a borrower from application to cash without the manual maths that slows every deal down.

  • Reusable loan products with set rates, fees and terms
  • Application to approval to disbursement in minutes
  • Schedules and totals calculated automatically
  • Quick re-lending for known, good borrowers

Interest, fees & penalties

However you price, Lendbox applies it consistently — so what a borrower owes is never a matter of opinion.

  • Flat, reducing-balance and other interest methods
  • Processing and service fees applied automatically
  • Late penalties triggered by the rules you set
  • Clear statements borrowers can follow

Collections that run themselves

The money is made when it comes back. Lendbox keeps repayment on track without you working the phones all day.

  • Automated SMS reminders before and after due dates
  • An arrears dashboard ranked by who to chase first
  • Follow-up steps logged against each borrower
  • Part-payments and rescheduling handled cleanly

Know who you’re lending to

The fastest way to lose money is to lend it to the wrong person twice. Lendbox keeps your borrower knowledge in one place.

  • Full borrower profile and loan history
  • Flag or blacklist serial defaulters
  • See current exposure before approving more
  • Repeat-borrower behaviour at a glance

Proof

“If lenders or SMEs want to get serious about running their lending operations professionally, Lendbox is a great place to start. This platform has boosted our transparency, efficiency, and reporting.”
Abraham Mukelabai, Executive Director, Abramuke General Dealers·Abramuke General Dealers · Microlender, Zambia
collections
Stronger
reporting & transparency
Better
investor partnerships
2 new
Read the full AGD case study

Questions money lenders ask us

What is money lender software?
Money lender software (also written moneylender software) gives an independent or private lender one system to run the whole book — reusable loan products with set rates and fees, automatic interest and penalty calculation, fast disbursement, automated reminders and an arrears view, plus each borrower’s full history and a clear picture of what the book earns. Lendbox brings all of it into one place, so pricing, chasing and record-keeping stop living in a spreadsheet.
Can we set up our own loan products with fixed rates and fees?
Yes. Lendbox lets you define your loan products once — interest rate, processing and service fees, and term — and every new loan is priced from them automatically, with the repayment schedule generated for you.
Does it calculate interest and late penalties automatically?
Yes. Lendbox supports flat, reducing-balance and other interest methods, applies your fees automatically, and triggers late penalties based on the rules you set — applied the same way for every borrower.
Can it chase late payers for us?
Yes. Lendbox sends automated SMS reminders before and after due dates, and an arrears dashboard ranks borrowers by who to chase first, with follow-up steps logged against each one — so collections run without you working the phones all day.
Can we see a borrower’s full history before lending again?
Yes. Lendbox keeps a full profile for every borrower showing past loans, repayment behaviour, current exposure and outstanding balances on one screen, so you can decide to re-lend with the facts in front of you.
Can we flag or blacklist defaulters?
Yes. Lendbox lets you flag or blacklist serial defaulters so they surface immediately the next time they apply, helping you avoid lending to the wrong borrower twice.
Can I see how much the business is actually making?
Yes. Lendbox tracks disbursements and collections against every loan, so interest earned, fees and arrears roll up into a clear picture of what your book is really making this month.

Spend your day lending, not chasing

Start a free trial of Lendbox and run your loan products, interest and collections in one place.

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