Loan Farm
Loan Farm — Complete Loan Lifecycle Management
Loan Farm is the lending engine of the Smartex Money platform. It manages the complete loan lifecycle — from origination and scoring to disbursement, repayment scheduling, collections, and NPL (Non-Performing Loan) handling. Configurable scoring models, collateral tracking, group loan management, and automated dunning workflows make it suitable for microfinance, consumer lending, and SME financing.
Built on the same enterprise-grade Java EE foundation as ABS Core, Loan Farm integrates seamlessly with On-Board CRM for customer data, ADS Engine for credit scoring, and Flow Modeler for approval workflows — creating a unified lending pipeline from application to final repayment.
Loan Lifecycle
Origination
Loan application intake via web, mobile, or API. Document upload, income verification, and purpose validation. Pre-screening with configurable eligibility rules and automated decisioning.
Credit Scoring
AI-powered credit scoring via ADS Engine. Combine traditional credit bureau data with alternative data sources — transaction history, utility payments, mobile behavior. Custom scoring models per loan product.
Approval
Multi-level approval workflows via Flow Modeler. Auto-approve low-risk loans, manual review for high-risk. Approval chain based on loan amount, risk grade, and product type. E-signature integration.
Disbursement
Automated disbursement to customer account or external payment. Disbursement triggers Flow Modeler workflows for notifications, accounting entries, and insurance setup. Multi-tranche disbursement supported.
Repayment Scheduling
Flexible repayment schedules — equal installments, bullet, balloon, or custom. Automatic payment collection via direct debit, internal transfer, or card tokenization. Grace periods and restructuring.
Collections & NPL
Automated dunning workflows — SMS, email, push reminders. Escalation to call center and field collections. NPL classification, restructuring, write-off, and recovery. Legal workflow integration.
Loan Products
Mortgage Loans
Long-term collateralized loans with property valuation integration. Amortization schedules, early repayment options, and interest rate management. LTV and DTI calculation built in.
Auto Loans
Vehicle financing with dealer integration. VIN verification, insurance tracking, and GPS-linked collateral monitoring. Balloon payment and trade-in support.
Consumer Loans
Unsecured personal loans with instant decisioning. Pre-approved offers based on account behavior. BNPL (Buy Now Pay Later) integration for merchant partners.
SME Loans
Business loans with cash flow analysis, GST/VAT return integration, and financial ratio scoring. Multiple collateral types and guarantee support.
Group Loans
Group lending with joint responsibility. Group formation, member eligibility, and shared collateral. Group repayment tracking and member-level breakdown.
Education Loans
Student loans with deferred repayment during study period. Disbursement directly to institution. Income-based repayment plans after graduation.
Collateral Management
Asset Tracking
Track any collateral type — real estate, vehicles, equipment, deposits, jewelry. Automated valuation with integration to external appraisal services. LTV monitoring and margin call alerts.
Legal Documentation
Generate collateral agreements, pledge documents, and UCC filings automatically. Integration with government registries for property and vehicle liens.
Collateral Substitution
Replace one collateral with another during loan lifecycle. Revaluation, legal documentation update, and LTV recalculation handled automatically.
Release & Foreclosure
Automated collateral release upon loan closure. Foreclosure workflows for NPL cases — legal proceedings, asset sale, and recovery accounting.
Reporting & Analytics
Portfolio Health
Real-time portfolio dashboards — PAR (Portfolio at Risk), NPL ratio, average ticket size, and vintage analysis. Drill-down by product, region, or loan officer.
Performance Metrics
Origination volume, approval rate, average processing time, and yield analysis. Officer performance rankings and branch-level comparisons.
Regulatory Reporting
Pre-built regulatory report templates for 30+ jurisdictions. Central bank reporting, IFRS 9 provisioning, and CECL calculations automated.
Ready to modernize your lending business?
Loan Farm handles every aspect of the loan lifecycle — from application to final repayment. Schedule a demo to see how it fits your lending products and market.
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