One platform, the whole book
A lending platform, not a loan tracker
Origination is the easy part. This is the rest of it — the ledger, the provisioning, the statutory filings and the collections floor — shaped around how regulated lending actually works here.
Term and revolving facilities
The flagship: a real revolving credit line — drawdowns under a hard headroom lock, daily interest on utilisation, commitment fee on the undrawn portion, cycle statements with a Minimum Amount Due, and limit re-availment that waits for the bank to clear. Term loans run alongside, untouched.
SEC rate caps, as data
Nominal, EIR, penalty and total-cost ceilings are effective-dated parameters under maker-checker — not constants in someone’s code. Tighten a cap and every product is re-audited; a non-compliant product cannot be saved or activated.
Decisioning with champion-challenger
Policy knock-outs, a versioned scorecard engine and auto-approve / refer / decline bands — plus live A/B traffic splits. Assignment is a deterministic hash, so a re-score never changes a decision, and a challenger cannot be promoted on a cohort too thin to mean anything.
PFRS 9 ECL provisioning
Stage 1/2/3 classification with SICR overlays, effective-dated PD/LGD/EAD tables, monthly provisioning runs that post reverse-and-repost journals, and a movement schedule that ties. Credit lines price EAD as outstanding + CCF × undrawn.
A real general ledger
Five-class chart of accounts, multi-line journal vouchers that cannot post out of balance, event-to-GL mapping with an execution log, period close, trial balance, and off-balance-sheet memorandum accounts for PDCs and pledged mortgages — held out of the statutory books by design.
BIR-ready books
CAS electronic books of accounts, borrower subsidiary ledgers, Form 2307 certificates and tax alphalists — each export hashed into an append-only register. Layouts still awaiting an official spec say so on the face of the file rather than pretending.
Collections that route themselves
PAR-banded worklists, a dialing workbench with promises-to-pay and automatic reminders, capacity-capped queue assignment rules, external agency endorsement with commission accounting, and BP 22 notices with the statutory five-banking-day clock.
PDC vault to clearing
Intake QC that rejects a defective cheque before the borrower leaves, barcode-sealed custody with dual control, banking-day presentment, clearing ingestion with return-reason classification, and a legal evidence pack for prosecution.
Compliance as plumbing
CIC and AMLA reporting, an immutable audit log, branch-scoped row-level access, per-role MFA policy, and a Data Privacy consent ledger whose erasure workflow masks PII while proving the money trail is byte-for-byte intact.
