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Digitise your entire lending lifecycle — from application to collection — on one secure, audit-ready platform.
Free, no-obligation consult · No forms — just a real person.
Official ERPNext Partner
In business since 2011 · 200+ clients
It's quarter-end. Your auditor wants the NPA ageing and provisioning report. Your team is rebuilding it by hand from three spreadsheets, a collections register and the bank statement — and the numbers won't tie to the ledger. Meanwhile a good borrower is waiting four days for a disbursal that should take four hours, and two overdue accounts have quietly slipped past 90 days because nobody flagged them. You're not short on demand. You're short on one system that tracks every rupee from sanction to settlement.
That's what an ERPNext lending platform gives you. Acube's Loan & Lending Management ERP — built on ERPNext's accounting engine and the Frappe Lending app — unifies origination, disbursal, EMI tracking, interest accrual and field collections in one configurable system. You approve faster, recover more, and stay audit-ready by default — at 60–80% lower total cost of ownership than a legacy core-lending suite, with no per-seat licence trap.
In business since
Clients served
ERP projects
Work by referral
Applications stuck in email and paper, with no single view of borrower status.
Manual EMI schedules and reminders that let overdue accounts slip into NPA before anyone notices.
Collection agents working blind — no field tool, no geo-proof of visits, no real-time updates.
Interest, penalties and accruals calculated in spreadsheets that never tie back to the GL.
Regulator and audit reports rebuilt by hand every cycle, under deadline pressure.
Every new loan product means a fresh set of spreadsheets — and a new way to get it wrong.
Digital origination, KYC and approval routing compress your sanction-to-disbursal cycle, so good borrowers don't walk to a faster lender.
Auto-generated EMI schedules, overdue flags and geo-verified field collections turn passive registers into proactive recovery — protecting your interest income.
NPA classification, ageing and provisioning are generated from live data, so quarter-end stops being a fire drill.
Every disbursal, accrual and penalty posts straight to the ledger, giving you a live, reconciled view of your book, interest income and NPA position.
Configure interest types, frequencies, charges and collateral rules once — reuse them everywhere. See it on your data: Call +91 62358 66111 or WhatsApp us.
Built on ERPNext's accounting engine and the Frappe Lending app, the platform automates every stage of the loan lifecycle and keeps your general ledger reconciled in real time.
| Module | What it does |
|---|---|
| Loan product configuration | Variable interest, repayment frequencies, moratoriums, charges, collateral rules — define once, reuse everywhere. |
| Origination & KYC | Digital onboarding, document capture, configurable credit-approval workflows and sanction routing. |
| Disbursal | One-click disbursal with auto-posting to the ledger and borrower account. |
| EMI & repayment schedules | Auto-generated schedules, part-payments, foreclosure, reminders and overdue flags. |
| Interest & penalty accrual | Automated interest accrual, penal charges and write-offs posted straight to accounts. |
| Security & collateral | Track pledged assets, guarantees and documents against each loan. |
| Field collections (mobile) | Visit logging, on-the-spot payments, geo-tagging and follow-up notes. |
| NPA & audit reporting | NPA classification, ageing, provisioning and regulator-ready statements in a click. |
| Before — today's lending stack | After — one ERPNext lending platform |
|---|---|
| Loan files in email, paper and shared drives | Digital origination with KYC and approval routing |
| EMI schedules and reminders in Excel | Auto-generated schedules, overdue flags, reminders |
| Interest and penalties calculated by hand | Automated accrual posted straight to the GL |
| Collection registers and call lists | Mobile field app with geo-tagged visits and payments |
| NPA reports rebuilt every quarter | Live ageing, classification and provisioning |
| Lending software priced per user, per year | Open-source core you own — no licence trap |
| ERPNext (with Acube) | Legacy core-lending suite | Spreadsheets + apps | |
|---|---|---|---|
| Total cost of ownership | 60–80% lower — no per-seat licences | High licences + AMC | Cheap, but error-prone |
| Ownership & lock-in | Open-source code you control | Proprietary, locked | Fragmented, manual |
| New loan products | Configurable, no re-coding | Costly change requests | Yet another spreadsheet |
| GL reconciliation | Real-time, automatic | Often batch / siloed | Manual, never ties out |
| Time to value | Live in weeks | Long deployments | N/A |
| India compliance | TDS, GST on charges built in | Add-on / costly | Manual |
Prove the financial case on your own book: Call +91 62358 66111 or WhatsApp us.
Every overdue account that slips unflagged into NPA is interest income you may never recover — and a provisioning hit to your P&L. Every audit cycle spent rebuilding reports by hand is days your finance team isn't spending on growth. Every borrower kept waiting on a slow disbursal is a customer your faster competitor wins. A lending ERP turns these leaks off: proactive collections protect recovery, automated provisioning removes audit stress, and faster disbursal grows your book. Because there are no per-seat licences, most lenders reach a lower total cost of ownership and a faster payback than a proprietary suite. We scope to a fixed price, so you know the number before you commit.
NBFCs, microfinance institutions, cooperative banks and credit societies, gold-loan and asset-backed lenders, digital lending and fintech platforms, and franchise-based lenders across India. If you originate, service and collect on a loan book of any size, this fits. See the workflows and pains we solve on our Finance & Lending industry page →
We build software for finance and fintech businesses where a wrong number is not an option — including fintech client BitSave (Casper Wealth Holdings), where we delivered reliable, audit-minded financial software. We also build audit-ready finance and procurement for defence-grade operations like BrahMos Aerospace (BATL). Among 200+ organisations we've served since 2011. See our finance & lending work →
with a full-stack Frappe team — builders and engineers, not box-shifting resellers.
we redesign your lending workflow before we configure the system, so adoption is built in.
from blueprint to go-live to long-term support & AMC. No vendor vanishing at handover.
in business since 2011, 200+ clients, and 70% of our work by referral.
Official ERPNext Partner
Yes. Interest, penal charges and accruals post to the ledger automatically, and NPA ageing and provisioning are generated from live data — no manual spreadsheets, no quarter-end scramble.
Yes — interest types, repayment frequencies, charges, moratoriums and collateral rules are all configurable, and new products can be added without re-coding.
Yes. Agents log visits, collect payments and geo-tag interactions from the field, with everything syncing back to the borrower record in real time.
Yes — the Frappe framework exposes open APIs, so we integrate payment gateways, credit bureaus and banking systems through ERPNext customisation.
Yes — clean, validated data migration with opening balances, outstanding schedules and borrower masters is a defined step in every project.
ERPNext is open-source, so there are no per-user licence fees — the biggest hidden cost in proprietary lending software. Most lenders see 60–80% lower total cost of ownership.
That's our design goal. Process redesign, role-based simplicity, hands-on training and hypercare are built into every project, so adoption isn't left to chance.
Always — we move into long-term support and AMC, and can host and manage the system on secure cloud infrastructure.
Get a clear plan, an honest timeline, and a fixed scope. Talk to a real expert today — whether or not you work with us.
Kochi (Kadavanthra & Infopark) · Thiruvananthapuram · across India & overseas · In business since 2011