Lendra
Run Your Lending Book Like a Real Business, Not a Spreadsheet
Borrowers, loans, repayments, penalties, and investments, one workspace, fully under your control.
Native desktop app. Local SQLite database. No cloud, no subscriptions.
Built for how private lenders actually operate.
Everything a private lender needs, in one place
From onboarding a borrower to closing out a fully repaid loan, here's the full workflow.
Your whole book, at a glance.
Organized by priority: what needs action today, what's operationally overdue, and where your capital actually sits.
- Available Cash, Outstanding Balance, Total Capital, Interest Earned
- Portfolio and Payment Methods donut charts
- Overdue, upcoming, and pending payment alerts
Every borrower, fully documented.
ID, employer, income, collateral notes, and co-borrower details, all searchable in one list.
- ID document upload with auto file naming
- Co-borrower (guarantor) support
- Loan Standing rating: Good, At Risk, or Poor
Configure a loan exactly your way.
Amount, interest rate, payment frequency, and term, with printable contracts ready to sign.
- Daily, weekly, semi-monthly, or monthly schedules
- Pending, Active, Overdue, and Paid statuses
- Auto-scaling contract and account statement PDFs
Record it once, right the first time.
Track transaction type, attach a receipt, and get quick-fill cards for the exact expected amount.
- Cash, GCash, Bank Transfer, Cheque, Online
- Receipt image auto-named to loan number and date
- Full payment history per loan
See collections before they're late.
A visual schedule across every active loan, with actual collections alongside what's due.
- Scheduled vs. Collected detail panel per day
- Month summary: Collected, Remaining, Overdue, Collection Rate
Late fees, tracked automatically.
Penalty accrues from the first missed due date at a rate you configure, with a full itemized breakdown.
- Filter by Outstanding, Settled, or All
- Lift Penalty to waive without collecting, fully undoable
- Penalty clause auto-added to printed contracts
Track capital beyond your loan book.
Money placed in external businesses or individuals, with two contract types and a Capital Recovery progress bar.
- Monthly Interest or Flat Rate contracts
- Partial or full capital returns, dated notes log
- Settle and reopen investments anytime
Built for how private lenders actually work
Local-First, Always
Your book lives in a local SQLite database on your own machine. No cloud dependency, no third party sees your ledger.
Full Penalty Automation
Late fees accrue automatically at your configured daily rate, snapshotted the moment a loan leaves overdue.
Print-Ready Documents
Loan contracts and account statements with your branding, auto-scaled to one page, ready to sign and file.
A Real Desktop App
Native window, native performance, no browser tab to leave open. Install it once and it lives on your machine like any other app.
Multiple Lending Books
Separate profiles for separate lending books, each with isolated borrowers, loans, and settings. Switch instantly.
Backup and Restore
Export a full snapshot on demand or automate it on an interval, with every uploaded image embedded in the backup.
Priced and printed the way your borrowers expect
Borrower in, evidenced repayment out
Onboard
Add a borrower with ID, income, and collateral notes.
Disburse
Create a loan with your terms and print the contract.
Collect
Record repayments with receipts as they come in.
Track
Watch penalties, standing, and portfolio ROI update live.
Interested in Running Your Book on Lendra?
Lendra isn't publicly distributed yet. Reach out directly and we'll talk through what you need.
v1.0 · Windows, macOS & Linux