Loans: Full loan lifecycle, group lending, restructuring, arrears and IFRS 9 ECL provisioningNo extra charge. Free instant access, no credit card required.
Members
applications move draft → appraisal → committee → approval on a pipeline board; risk rating, guarantors and collateral live on the form; bulk approval clears the committee’s Friday stack, and the application print files the decision.
Principal, rate, method, schedule, arrears, guarantors, collateral and every payment — the loan record holds the full story, with active loans filtered one click away and the term view showing exactly what changes at each state.
Disbursements post through their own register — 135 raised, 113 of them disbursed — each with method, reference and voucher print; partial and tranche disbursement included, and every one lands back on the loan.
Repayment schedules in flat, declining or EMI; due dates skip the public holidays Core knows about; overdue rows surface on their own list and the calendar view shows the collector’s week ahead.
repayments in the register, 394 of them posted — allocation order is yours to set in settings, reversals keep the paid-date honest, and the receipt prints from the transaction itself.
The overdue book grades every late loan watch → substandard → doubtful → loss with days and amount in arrears; collection actions log the calls and visits; demand letters and the PAR aging print keep the pressure documented.
guarantors with exposure, consent state and their own declaration print; collateral across its own types with valuation, forced-sale value and status; liens release when the loan clears — automatically.
Concentration limits watch single borrowers, sectors, products, branches and officers with live exposure against threshold and a breach action — block, warn or escalate; macro scenarios and stress tests ask the what-ifs first.
Portfolio summary, officer performance, product analysis, maturity profile and liquidity forecast — pivots and charts straight off the loan book, plus a loan calculator the credit desk can quote from.
Agreements, statements, schedules, vouchers, receipts, declarations, registers and the analysis pack — every print on this page ships in the box, on your letterhead.
Rates, terms, fees, penalties, eligibility and approval thresholds live on the loan product with fees in their own register and settings for allocation order and committee rules. New product, no code.
Collection actions from the first phone call to the auctioneer, the demand letters that went with them, legal cases once it reaches court, penalties charged along the way, and the write-off when it genuinely cannot be recovered.
The collection sheet an officer takes to the field, today’s collections as they post, the channels money can arrive through, and a collection efficiency view over the period.
Bulk disbursement for a committee’s whole sitting, tranches when a loan releases against milestones, and the disbursement register that reconciles what actually left the bank.
Restructures — reschedule, refinance or top-up — each with the reason recorded and an approval behind it, and credit-life claims from submission through to payout.
ECL vintage curves per product and tenor feed the provisioning engine, stress runs replay the portfolio against a scenario, and a liquidity alert fires before treasury is surprised.
The ECL staging run that classifies the book, and a provision adequacy view that answers the question a board actually asks — is what we hold sufficient.
A mobile-money repayment raised against the loan, priced and referenced so the receipt matches the schedule when it lands.
What's inside
99 items in 12 areas, every one shipping with the app today.
Works with
Loans shares one database with the rest of the Bridge MFI Suite and BridgeERP: these are the apps it already talks to, with nothing to buy in between.
Loans needs these to run; they come with it in the same plan.
Any BridgeERP app can join the same database.
AccountingFull double-entry accounting, bank reconciliation, assets, budgets and statutory reports.
ExpensesEmployee expense claims with receipt capture and reimbursement.
InvoicingCustomer invoices, vendor bills, payments and tax handling.
SignSend documents for legally binding electronic signature.
SubscriptionsRecurring contracts, automatic renewals and MRR reporting.
EmployeesEmployee records, contracts, attendance, skills, appraisals and referrals.Add it to your Bridge MFI Suite plan, priced per member, or start a free trial and see it running first.
