Take control of your loans with PayLend
The most elegant and fast mobile solution to issue loans, manage clients, control inventory, and track your expenses. Designed for small and medium businesses.
Designed for Financial Trust
A clean architecture designed to scale your lending business with total reliability.
100% Offline-First
Create clients, loans, and payments in areas with zero network. Seamless background sync happens automatically when you're back online.
High Precision Math
No more rounding errors. We use exact mathematical precision for French amortization systems to prevent cumulative fractional loss.
Smart Partial Payments
Register partial payments or capital prepayments with automatic future schedule restructuring, either reducing the installment or shortening the term.
Business Intelligence
Anticipate liquidity with cash flow projections and evaluate your clients with our dynamic PayLend Risk Score (A-F).
Professional Reports
Instantly generate amortization schedules and payment receipts in PDF, or export your live portfolio analytics to CSV format.
Simulators & Reminders
Use our in-memory loan simulators and send automated payment reminders directly to your clients via WhatsApp.
Business Intelligence & Analytics
Anticipate your cash flow liquidity at 30, 60, and 90 days. Our dynamic PayLend Risk Score (A-F) evaluates punctuality and arrears with a grace period system to mitigate risk.
- Portfolio Health & Delinquency Rates
- Overdue breakdowns (15, 30+ days)
- Top Best Clients & At-Risk Clients
- Total Portfolio Distribution
- Interactive Cash Flow Projections
- Dynamic Risk Scoring