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PayLend User Guide

Welcome to PayLend! PayLend is your premium offline-first app for complete loan, collection, and finance management. This guide will walk you through the basics so you can start managing your loans like a pro.

1. Initial Setup & Security

  • Secure Access: When you first open the app, you will configure your secure login. The app supports Face ID / Touch ID, and allows setting a numeric PIN for maximum privacy of your financial data.
  • Offline First: You can use 100% of the app’s features even if you don’t have an internet connection. Your data will automatically sync as soon as you are back online.

App Screenshot

2. The Dashboard (Business Intelligence)

  • Upon logging in, you will see your Dashboard.
  • Here you can monitor your total earnings, recent activity, and active loans.
  • Check your PayLend Score (A-F), an intelligent risk indicator.
  • View your Cash Flow Projections to anticipate your liquidity over the next 30, 60, and 90 days with interactive charts.

Dashboard

3. Adding a New Client

Before creating a loan, you need to register a client.

  • Go to the Clients section and tap to add a new client.
  • Fill in their basic details: First Name, Last Name, Phone number, and Identity Document.

Clients

4. Creating a Loan

  • Navigate to the Loans tab and tap to create a new loan.
  • Select your registered client.
  • Enter the Principal Amount, Interest Rate, Term in Months, and Payment Frequency.
  • The app features a powerful simulator that instantly calculates the exact schedule, so you can review it before confirming.

Loans

5. Managing Payments & Collections

  • In the active loan details, you can see the payment schedule.
  • Register a Payment: Tap on a pending installment to record a payment.
  • Partial Payments & Prepayments: The app smartly handles partial payments (auto-suggesting the remaining balance) and capital prepayments. If a client pays more towards the capital, PayLend automatically restructures the future schedule, reducing either the monthly fee or the total loan term.

Payments

6. Exporting Reports & Receipts

  • PDF Receipts: After a payment, you can generate a professional PDF receipt (ticket style) or an A4 amortization table to share with your client via WhatsApp or Email.
  • CSV Metrics: Go to the analytics section to export your historical metrics and active portfolio (Cartera Viva) into a CSV file for your accounting needs.

7. Multilanguage Support

  • PayLend is designed for a global audience. You can change the language at any time in the Settings menu. Available languages are English, Spanish, French, German, Italian, Portuguese, and Haitian Creole.

Settings