Loan management
Episcript designs, builds and supports loan management systems in Singapore: applications, approvals, agreements, disbursement, repayments and collections, with AI we build in to read documents, answer borrowers, flag unusual repayments and forecast collections.
For licensed moneylenders, financing and leasing companies, credit cooperatives and microfinance providers.
Core modules
The modules most lenders start with, all working from one loan account.
Borrowers apply online or at the counter, with details filled in through Singpass and Myinfo, or Corppass for a business, and each application tracked to approval or decline.
Credit checks, income documents and affordability notes sit on the application, and approval levels send each loan to the right approver by amount, product or risk grade.
The loan agreement and repayment schedule are generated from your own templates with the loan's terms filled in, then signed electronically and filed against the loan account.
Approved loans are paid out by bank transfer or PayNow once a second user confirms the payout, and the amount, fees and first due date are recorded against the loan.
Repayment schedules are built from the loan's rate, term and method →, and each payment is split across fees, interest and principal in the order your rules set.
Missed instalments move the account into arrears automatically, late charges are calculated to your rules, and the collections team works from a queue sorted by days overdue.
Loan origination
Every application becomes a loan record the moment it is submitted, holding borrower details, income documents, credit check results and the officer's notes. Leads and enquiries can sit in our custom CRM, linked to each borrower.
Loan servicing
Schedules, interest and fees follow the terms of each loan product you set up.
Monthly, fortnightly or weekly instalments from the rate and term
Flat rate or reducing balance, set per loan product
Each fee type set once and applied by your rules
PayNow, GIRO and bank transfers matched to each loan
Shortfalls carried forward, overpayments held as credit
The settlement amount worked out for any chosen date
Interest accrued daily for month-end and portfolio reports
A receipt per payment, statements for any period
Portfolio and reporting
Collections, portfolio figures and regulatory records all come from the same loan accounts, with nothing retyped.
By role
Each person sees what their role needs, from the same loan accounts.
Disbursements, collections, arrears and the size of the loan book across every branch on one dashboard, with AI answering questions about your own data.
Applications, borrower documents and credit check results in one place, with income documents read into the application and agreements sent for signing.
A queue of loans waiting at their approval level, with the application, credit history and the officer's notes on one screen.
Overdue accounts sorted by days past due, with reminder messages drafted by AI for review and every contact logged against the loan.
Repayments matched to loans, receipts issued and journals passed to your accounting system, with interest and fee income ready at month end.
Balances, due dates, statements and payment options in the borrower portal, with routine questions answered on WhatsApp outside office hours.
Built to order
Built in phases using information from your own system, with staff approving every output.
Module library
Add these as your lending business needs them.
Every borrower, guarantor and document on one record.
One record holds each borrower's contact details, guarantors, documents and every loan they have taken, past or current.
Borrowers check balances, download statements, pay instalments and upload documents for a new loan in one login.
Hold company details, directors and guarantors for business loans, with the company's documents checked before approval.
Record collateral and security documents against each loan, with valuation dates and release recorded when the loan closes.
Set each product once, and every loan follows it.
Define each product's amount range, term, interest method and fees once, and new loans inherit those settings automatically.
Change rates or fees for new loans while existing loans keep the terms they were signed on.
Restructure a loan on new terms while the original schedule and every earlier payment stay in its history.
Top up or refinance an existing loan, with its outstanding balance settled and carried into the new loan.
Payments matched to loans and passed to your accounts.
Send disbursements, repayments, interest and fees to Xero, QuickBooks or your own accounting system as journals.
Match bank statement lines to repayments and disbursements, with unmatched items listed for a person to resolve.
Bill fees and services outside the loan schedule through our invoicing software, synced with the same accounts.
Records, checks and branch access kept in order for audits.
Keep ID documents, screening results and due diligence notes per borrower, using our KYC and AML compliance software.
Keep signed agreements, receipts and borrower documents filed against each loan, searchable for audits and reviews.
Record loans, staff and collections per branch, with head office seeing every branch and each manager their own.
See disbursements, collections, arrears and approvals waiting on one screen, filtered by branch, product or officer.
Reminders and notices sent on the schedule you set.
Remind borrowers of each instalment by WhatsApp or SMS before the due date and again on the day.
Generate reminder and demand letters from your templates, with each letter sent and logged against the loan.
Email monthly or annual statements to every borrower in one run, each showing payments, interest and the balance.
Integrations
Connect the system to the identity, payment, signing, accounting and messaging tools you already use.
Singpass, Corppass and Myinfo
PayNow and payment gateways
DocuSign
Xero
QuickBooks
WhatsApp Business
Google WorkspaceUsing a credit bureau, bank or other system that is not on this list? Tell us which one and we will scope the connection.
Custom build
Packaged lending software suits lenders whose products and processes match the platform. When your loan products, approval levels or collection rules do not, we build the system around them, and change it when your lending changes.
Questions
A loan management system is software that runs a loan from application to final repayment: borrower records, credit checks, approvals, agreements, disbursement, repayment schedules, interest, collections and reports, all kept on one loan account.
Most lenders process loans in a loan origination system, which handles applications, credit checks and approval, joined to loan servicing for disbursement, repayments and collections. A loan management system covers both on one record.
In lending, a CRM keeps borrower and lead records: enquiries, contact history, follow-ups and marketing. Ours can sit inside the loan management system, so every conversation and every loan share one borrower record.
Cost depends on scope: the modules in the first phase, the loan products and rules to build, the data to migrate and the systems to connect. We quote after a scoping session and price each phase separately.
It depends on the first phase. A release covering applications, disbursement and repayments goes live sooner than a full build with collections, portals and regulatory reports, and we give you a schedule once scope is agreed.
We migrate them for you. We map each open loan, its schedule, payments to date and balance from your spreadsheets or old system, run a test import and reconcile balances with you, then cut over on an agreed date.
Our solutions are eligible for government grants. We explain how the schemes apply to your project and what the agency looks for, so you can budget with the full picture in front of you.
The system can connect to Singpass, Corppass and Myinfo for borrower details, PayNow and payment gateways for repayments, and Xero, QuickBooks or your own accounting system. Credit bureau and bank connections are scoped with you.
AI features can be added, each scoped with you and built in its own phase using information from your system. They cover document reading, borrower questions on WhatsApp and email, reminder drafting, repayment anomaly checks and collection forecasts.
The system supports your PDPA obligations through permissions, activity logs, consent records and access controls. Staff see only the borrower data their role needs and every change is logged, while your own policies do the rest.
One system runs every branch. Loans, staff, cash and collections are recorded per branch, with reports per branch or across the business, and each branch manager sees only their own loans.
Related solutions
Repayment schedules, payment allocation, arrears and restructures for every loan.
Read more Custom CRM softwareBorrower and lead records, enquiries and follow-ups in one place.
Read more Identity verification softwareID document and face checks for borrowers who apply online.
Read more Electronic signature softwareLoan agreements signed online and filed against the loan.
Read more Corporate compliance softwareKYC and AML records, screening results and due diligence.
Read more ACRA BizFile importCompany profiles for business borrowers, loaded from BizFile.
Read more Invoicing softwareBilling for fees and services outside the loan schedule.
Read moreNext step
Bring a sample of your loan products and repayment records, and we will show you the same loans set up in the system, with AI reading documents and drafting reminders.