One platform for the complete lending workflow
LoanDesk Works is designed as a modular operating system: core records stay stable while new modules can be activated as your operation becomes more sophisticated.
Move applications through structured review.
Create borrower records, configure loan products and capture credit investigation results before approval. The workflow supports separation between sales, investigation, underwriting and approval responsibilities.
- Borrower master record and loan history
- Configurable loan products and effective-dated terms
- Credit investigation notes and risk grading
- Approval decisions with traceable user activity
Keep balances explainable and transactions traceable.
After approval, disbursement and repayment are recorded through dedicated workflow steps. Loan balances are supported by ledger activity rather than unexplained manual overwrites.
- Separate approval and disbursement stages
- Payment schedules and loan balances
- Principal, interest, fees and payment allocation
- Reversal and adjustment records instead of silent deletes
Disbursement
Release only approved loans that satisfy the required workflow status.
Payment Schedule
See due dates, installment amounts and remaining balances.
Loan Ledger
Maintain a traceable record of financial movements.
Payments
Post borrower payments and retain payment references.
Turn delinquency into an organized work queue.
Collectors can focus on assigned accounts, document contact actions and track promises to pay without receiving permission to rewrite financial balances.
- Days-past-due and delinquency views
- Collector assignment and account ownership
- Contact actions and collection notes
- Promise-to-pay dates and amounts
Understand what is happening across the portfolio
Authorized users can view operating and financial indicators with charts, filters and drill-down reports.
Portfolio
Outstanding loans, receivables, balances and active accounts.
Aging
Current, 1–7, 8–30, 31–60, 61–90 and 90+ day buckets.
Income
Gross and net income visibility for permitted management roles.
Collections
Expected versus actual payments and collector activity.
Portfolio at Risk
Monitor delinquency and risk indicators over time.
Exports
Generate authorized operational reports for analysis and reconciliation.
Access follows the company, role and scope.
A user can share the same public login URL with other companies without sharing data. Once authenticated, the system keeps the user inside the correct tenant and applies role permissions.
Internal users use lowercase firstname.lastname formatting.
Account activation and recovery use registered email authentication codes.
Company records are filtered using authenticated tenant context.
Important actions remain attributable to a specific user.
Operate LoanDesk Works as a commercial subscription platform
The Platform Owner manages plans and subscribers separately from each lending company's daily operating workspace.
Subscription Plans
Set plan names, monthly/annual prices, user limits and future plan options.
Module Entitlements
Control which modules are available under each subscription plan.
Subscriber Branding
Subscribers upload their own logo and company details without changing platform-owner information.
Tenant Administration
View subscribers, plan status and workspace information from Platform Administration.
Billing Infrastructure
Track subscription invoices and payment states while gateway integrations remain modular.
Plugin-ready
Add future modules using the module registry and event hooks instead of rewriting the lending core.