How are EMI schedules generated?

On loan approval, the system generates a full amortization schedule using the loan amount, interest rate, and tenure. Each installment shows the principal and interest components and the remaining balance.

How does overdue management work?

Overdue loans trigger configurable penalty rules and a reminder sequence (SMS, email, push). If unresolved, the loan is escalated to a collections agent in the collections workflow module.

What is the NPL ratio?

Non-performing loan (NPL) ratio is the proportion of loans overdue by more than 90 days. The portfolio dashboard tracks this in real time and drills down by product, vintage, and origination channel.

Finance & Banking

Build a Loan Management System (LMS) with AI - in Hours

ProjectCode generates a complete, production-ready Loan Management System (LMS) from a single natural language prompt. In hours instead of months, you get a React frontend, NestJS REST API, PostgreSQL database, and authentication - fully integrated, live-previewed, and deployed to a URL you own.

Estimated build time: 4–6 hours

Build my Loan Management now View pricing

Free to start · No credit card required

The Challenge

Why building a Loan Management from scratch is hard

Building a Loan Management System (LMS) from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing loan management-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Loan Management needs

ProjectCode generates a production-ready Loan Management with all the modules your team needs from day one.

Loan application intake with document upload

Credit scoring and eligibility assessment workflow

Loan offer configuration with rate, tenure, and fees

Disbursement management with approval chain

EMI schedule generation with amortization

Repayment tracking with overdue management and penalties

Collections workflow with agent assignment

Portfolio analytics: NPL ratio, disbursement trend, collection efficiency

Architecture

How it's built

The generated Loan Management follows production-grade architecture patterns.

React 18 + TypeScript frontend with role-based dashboards tailored for loan management workflows

NestJS REST API with dedicated loan management modules, DTOs, validators, and service layer

PostgreSQL relational schema with normalized tables for all loan management entities

JWT + Google OAuth authentication with granular permission gates per role

Real-time Socket.IO events for live loan management status updates and notifications

Managed hosting with one-click deploy, custom domain, and auto-SSL

Database

PostgreSQL schema designed for Loan Management

ProjectCode generates a normalized, indexed PostgreSQL schema with the right tables and relationships for your use case. You own the schema and can evolve it freely.

applications (id, borrower_id, amount, tenure, purpose, status, credit_score, assigned_to, submitted_at)
loans (id, application_id, principal, rate, tenure, disbursed_amount, disbursed_at, status, close_reason)
schedules (id, loan_id, installment_number, due_date, principal_component, interest_component, total_due, status, paid_on, paid_amount)
collections (id, loan_id, agent_id, overdue_amount, contact_attempts jsonb, status, resolution, resolved_at)

schema.sql (preview)

-- Generated by ProjectCode
-- Loan Management System (LMS) schema

CREATE TABLE applications__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE loans__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE schedules__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE collections__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

Tech Stack

Production-ready from day one

Every generated app uses a battle-tested stack you can deploy anywhere and own completely.

Frontend

React 18 + TypeScript + Tailwind CSS

Backend

NestJS 10 + Node.js + TypeScript

Database

PostgreSQL (managed or Supabase)

Auth

Email OTP · Google OAuth · GitHub OAuth

Deployment

Managed hosting · Custom domain · Auto-SSL

AI Models

Claude Sonnet · Claude Opus · Kimi

Try It Now

Example prompt to get started

Copy this prompt into ProjectCode and get a working app in minutes.

ProjectCode prompt

Build a loan management system for a consumer lending fintech offering personal loans from $1,000 to $50,000. Include application intake with income and employment documents, automated credit scoring, configurable loan product rules, loan officer approval workflow, disbursement to bank account, automated EMI schedule generation, payment tracking with overdue reminders, a collections workflow with agent assignment, and a portfolio analytics dashboard.

Build this now - it's free

Deployment

Deploy your Loan Management anywhere

Managed hosting

One-click deploy to a live URL managed by ProjectCode.

Custom domain

Connect your own domain with auto-provisioned SSL via Cloudflare.

GitHub export

Push to your GitHub repo and self-host or deploy via Vercel, Railway, or AWS.

Docker ready

Export a Dockerfile and docker-compose for any containerized environment.

Pricing

Start free, scale as you grow

No per-seat fees. No vendor lock-in. Token-based pricing that scales with your usage.

Free

Start building your first app. Live preview, managed hosting, and full code export included.

Token Packs

From $5

Purchase token packs that roll over every month. Build more, pay only for what you use.

Enterprise

Custom

Custom models, SLA, SSO, and private cloud deployment for large teams.

See full pricing details

FAQ

Common questions about building a Loan Management

The system integrates with a credit bureau API (specify in your prompt) and combines bureau score with your internal risk factors (debt-to-income, employment type, loan purpose) to produce an eligibility decision.

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Build your Loan Management in hours, not months

Start free. No credit card. Your first app is live in minutes.

Get started free