How does group lending work?

Borrowers form solidarity groups (typically 5–20 members). All members guarantee each other's loans. If one member defaults, the group is responsible. This social collateral model reduces default rates significantly.

How does mobile money disbursement work?

The generated app integrates with M-Pesa, MTN Mobile Money, or Airtel Money APIs. Disbursements are initiated programmatically and confirmation is recorded when the telco sends a success callback.

Portfolio at Risk 30 (PAR30) is the percentage of the outstanding loan portfolio with at least one payment overdue by more than 30 days. It's the primary credit quality metric for microfinance institutions.

Finance & Banking

Build a Microlending Platform with AI - in Hours

ProjectCode generates a complete, production-ready Microlending Platform 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: 2–4 hours

Build my Microlending now View pricing

Free to start · No credit card required

The Challenge

Why building a Microlending from scratch is hard

Building a Microlending Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing microlending-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Microlending needs

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

Digital loan application with alternative data scoring

Micro-loan product configuration (amounts, rates, terms)

Borrower onboarding with lightweight KYC

Automated disbursement to mobile money or bank account

Repayment collection via M-Pesa, bank, or cash agent

Loan officer mobile app for field agent collections

Group lending (solidarity group) support

Portfolio risk dashboard: PAR30, PAR90, write-off rate

Architecture

How it's built

The generated Microlending follows production-grade architecture patterns.

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

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

PostgreSQL relational schema with normalized tables for all microlending entities

JWT + Google OAuth authentication with granular permission gates per role

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

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

Database

PostgreSQL schema designed for Microlending

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.

borrowers (id, name, phone, national_id, income_source, score, group_id, workspace_id)
loan_products (id, name, min_amount, max_amount, rate, frequency, tenure_weeks, fees jsonb, workspace_id)
loans (id, borrower_id, product_id, amount, rate, disbursed_at, status, agent_id)
repayments (id, loan_id, amount, method, reference, paid_at, late_days, penalty, recorded_by)

schema.sql (preview)

-- Generated by ProjectCode
-- Microlending Platform schema

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

CREATE TABLE loan_products__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 repayments__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 microlending platform for an MFI in East Africa offering loans of $50–$500 to small traders. Include digital applications with alternative credit scoring using mobile money history, lightweight KYC with national ID, loan disbursement to M-Pesa, automated repayment reminders via SMS, a loan officer mobile app for field collection, group lending with joint liability, and a portfolio dashboard showing PAR30, PAR90, and write-off rates by officer and region.

Build this now - it's free

Deployment

Deploy your Microlending 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 Microlending

Alternative scoring uses non-traditional data - mobile money transaction history, airtime top-up patterns, and social data - to assess creditworthiness for borrowers without formal credit bureau records.

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Building a Peer-to-Peer Lending Platform from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing p2p lending-specific business logic, integrations, and role-based access rules.

Build it

Build your Microlending in hours, not months

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

Get started free