For Philippine cooperatives, lending companies & MFIs
Lending & cooperative software for Philippine teams — from head office to field collectors to members.
Lenduh connects your back-office team, field collectors, and members in one platform — manage borrowers, loans, payments, branches, CDA cooperative compliance, accounting, and QR-verifiable digital receipts, with maker-checker controls and a member self-service PWA built in.
No credit card required · Free data migration · 1–2 business-day support.
What is Lenduh?
Lenduh is lending and cooperative management software for the Philippines. It brings your back office, field collectors, and members into one platform — covering loans, online payments, field collections, savings, accounting, CDA compliance, and a member self-service portal. It's built for cooperatives, lending companies, and microfinance institutions.
Your team deserves better tools than spreadsheets and paper forms.
Many lending teams still track loans in spreadsheets, collect payments on paper, and piece together reports from multiple sources. This creates delays, blind spots, and errors that cost your team time every single day.
Manual loan tracking
Loan records managed in spreadsheets with no version control or access restrictions.
Delayed collection visibility
Managers can't see field collection results until end-of-day paper reports arrive.
Field collection accountability gaps
No digital trail of collector activity — payments are recorded manually or via chat.
Difficult cash and remittance reconciliation
Matching collector remittances to posted payments is time-consuming and error-prone.
Limited branch-level oversight
Branch performance and access controls are difficult to maintain across locations.
Time-consuming compliance preparation
CDA reports and audits still mean exporting from spreadsheets and stitching together member, loan, and share-capital data — unless your platform is built for both lending and cooperative records.
One platform that covers your entire lending workflow.
Lenduh gives your team one place to manage everything — loan releases, payment collection, cash reconciliation, reporting, and CDA cooperative compliance (members, share capital, officers, trainings, and compliance reports). Whether you run a cooperative, a private lending company, or a microfinance operation, Lenduh fits the way you work.
Morning briefing
Collector opens the app and sees their assigned accounts for the day — sorted by due date and route.
Locate borrower
Collector finds the borrower by name or scans their QR code — no manual lookup needed.
Post payment
Payment amount, allocation, and notes are recorded instantly. The collector gets a digital confirmation.
Outbox syncs
Posted payments queue in the outbox and sync to the office portal automatically — even after low-connectivity areas.
Cash remittance
End of day, the collector submits their total collection. Office staff reconcile against the posted payments.
Manager visibility
Branch managers see real-time collection progress, overdue accounts, and remittance status from any browser.
Collector mobile app Live
What your office sees in real time Example
Illustrative figures — sample data, not a performance claim.
Built product, not just a concept.
Both the office portal and mobile collector app are live and in active use. The screenshots below show the actual product. Click any image to open a full-size viewer — use arrows or swipe to browse the extended office gallery and collector screens.
Six capability groups covering the whole workflow.
From borrower onboarding, online payments, and field collections to savings, accounting, member self-service, and Philippine cooperative (CDA) compliance — with a built-in AI assistant, developer API, and white-label options on top.
Lending Operations & Risk
- Borrower registry with encrypted PII & KYC photos
- Multiple loan products with fees, penalties & early-payment discounts
- Interest methods (flat / diminishing / add-on)
- Loan creation, release & amortization schedules
- Payment posting with automatic penalty/interest/principal allocation
- Overdue & arrears tracking with days-past-due aging
- Loan restructuring & refinancing with generated agreement
- Borrower credit limits with auto freeze/reduce on overdue
- Post-dated check (PDC) management — full deposit-to-bounce lifecycle
- Collateral register with valuation & loan-to-value enforcement
- Salary-deduction (payroll APDS) lending with net-take-home-pay floor
- PDF agreement, promissory note, disclosure, OR & demand letter
Field Collections & Cash Ops
- Offline-first collector mobile app (installable PWA)
- Today's route, assigned accounts & QR borrower lookup
- GPS-stamped payment collection in the field
- Field-visit logging (not-home, promise-to-pay, refused)
- Payment outbox that syncs automatically when back online
- Collector device management & instant revocation
- Remittance reconciliation with overage/shortage variance
- Commission tiers, approval, release batches & payslips
- Cashier shift / cash drawer with denomination counting
- Branch change fund & end-of-day reconciliation
Online Payments & Receipts
- Borrowers & members pay loans online via QRPh, e-wallet or card (Xendit)
- Login-less pay link generated per loan
- Payments auto-recorded & settled against the loan by webhook
- Members generate their own pay link from the portal
- QR-verifiable Official Receipts with public verification page
- Receipts by email (PDF attached), SMS, Viber & web push
- Savings deposit/withdrawal receipts sent automatically
- Configurable per cooperative with automatic retry
Accounting, Compliance & Reporting
- CDA-aligned chart of accounts & double-entry journal
- Auto-posted journals from releases, collections & share capital
- Trial Balance, Statement of Financial Condition & Statement of Operation
- CDA report pack (CAPR/CAFS/PAR/SAR/LOTA/MEDCON) with submission workflow
- Loan classification & allowance for credit losses (CDA MC 2020-18)
- PESOS performance rating with COA sign-off & DOSRI review
- AMLA Covered-Transaction Report (CTR) detector
- Bank reconciliation against the general ledger
- Portfolio health — PAR, collection efficiency & concentration
- Vault Health Index scoring with threshold alerts
- Operational reports suite & audited data export
Members, Savings & Cooperative
- Member registry & profiles linked to borrower records
- Share capital subscription & ledger (common / preferred)
- Savings & deposits — regular, time deposit & goal accounts
- Savings interest accrual, maturity processing & passbook PDF
- Dividend declarations, computation & posting
- Patronage refund / member distributions (CDA MC 2019-09)
- Surplus allocation to statutory funds (RA 9520)
- Member welfare / mutual benefit (damayan) fund
- Member self-service portal (PWA) with passwordless OTP login
- Online payments, savings withdrawal requests & statement PDF
- Loan applications, profile-change requests & web push
- Officers & board terms; training & seminar attendance records
Platform, Security & Developer
- Built-in AI assistant over the coop's own live data (read-only)
- Self-serve sign-up with 30-day trial & guided onboarding
- Self-service billing, plan tiers, auto-pay & prepaid wallet
- Multi-branch support with role-based permissions
- Maker-checker approvals & searchable audit log
- Two-factor authentication (TOTP) & admin IP allowlist
- Multi-tenant data isolation per cooperative
- Developer API with keys & signed outbound webhooks
- Single sign-on (SSO via OIDC)
- White-label branding (logo, colors, hide attribution)
- Custom app subdomain or fully custom domain
- Custom email sending domain
Built for the way Philippine lending teams operate.
Lenduh is designed around the real workflows of Philippine lending organizations — cooperatives, private lending companies, microfinance teams, and branch-based offices.
Who we serve
- Private lending companies
- Lending cooperatives
- Multi-purpose cooperatives with lending operations
- Microfinance organizations
- Branch-based lending offices
- Community and rural lending teams
Why now
- Your team is ready to move beyond spreadsheets
- Field collectors need a tool built for their daily work
- Managers need real-time visibility — not end-of-day reports
- Compliance prep should take minutes, not days
- Your collectors deserve a mobile app built for their workflow
Product advantage
- Built around how your team actually works
- Office portal, collector app, and member portal work together
- Branch-ready architecture
- Built-in CDA compliance center for lending cooperatives
- Member self-service portal included — no separate vendor
- Built-in maker-checker approval workflow for sensitive actions
- Add what you need as you grow
Your financial data stays secure, controlled, and fully auditable.
Every part of Lenduh is built around the assumption that financial data requires strict access controls, complete audit trails, and branch-level isolation.
Access Control
Role-based permissions for administrators, finance, managers, branch staff, and collectors.
Audit Trail
Complete logs of sensitive financial actions — payments, reversals, user changes, and loan modifications.
Branch Isolation
Branch-scoped data visibility ensures staff only see what their role and branch allows.
Collector Security
Collector ownership rules with payment reversal tracking and accountability controls.
Financial Accountability
Payment reversals, remittance reconciliation, and admin controls protect against unauthorized changes.
MFA & IP Allowlist
Multi-factor authentication and IP allowlist controls are live for high-security deployments.
Maker-Checker Approvals
Sensitive flows — loan release, restructure, payment reversal, dividend posting, and share-capital withdrawal — can be gated by a configurable second-approver workflow.
Encrypted PII & Passwordless Member Login
Borrower contact details are encrypted at rest. Members log in via one-time codes sent to email or SMS — no shared password to leak or reset.
Two-Factor Authentication (TOTP)
Staff can secure their login with an authenticator-app code, with encrypted secrets and a guided enrollment flow.
Single Sign-On (SSO via OIDC)
Let staff log in through your own identity provider using OpenID Connect, verified against your provider's keys.
Developer API & Signed Webhooks
Issue and revoke API keys to read your borrowers, loans, and payments, and subscribe endpoints to signed, retryable event deliveries.
Multi-Tenant Data Isolation
Every cooperative's data is isolated per tenant at the database query layer — one coop can never see another's records.
White-Label Branding & Custom Domain
Run the app under your own name, logo, colors, sending domain, and custom URL — members never see a third-party brand.
You're not on your own — we set you up, train your team, and stay with you.
Lenduh isn't just software. From migration day to month-end report, our team is part of yours — with hands-on onboarding, structured training, and ongoing operational support.
Guided onboarding
We configure your coop profile, chart of accounts, branch structure, and user roles to match how your team already works — so you're operational on day one, not day thirty.
Free data migration
Bring borrowers, loans, payments, members, and share-capital records over from spreadsheets or legacy systems. We handle the mapping at no extra cost — you verify the result.
Training for every role
Hands-on sessions for office admins, branch managers, finance staff, field collectors, and members — in person or remote, scheduled around your team's calendar.
Compliance walkthroughs
CDA reports, BIR-aligned accounting journals, and audit-trail use are walked through together with your team so the first month-end isn't a guessing game.
1–2 business day support
Questions, issues, and change requests answered within 1–2 business days via email and a shared support channel — same team that built it, same team that supports it.
Always-current platform
Feature releases tracked on our public roadmap, security patches, and CDA-rule updates land automatically — no upgrade projects, no surprise bills.
A complete platform — and it's all available today.
Lenduh covers the full workflow today — lending, online payments, and field collections on one side; savings, accounting, CDA compliance, and member self-service on the other. Everything below is live now. We ship continuously, so security patches and CDA-rule updates land automatically — no upgrade projects, no surprise bills.
Lending, collections & controls
- Office admin portal
- Multiple loan products & interest methods (flat / diminishing / add-on)
- Borrower & loan management
- Payment & cash tracking
- Collector mobile app
- Branch operations
- Maker-checker approval workflow
- Portfolio health & PAR dashboard with collector leaderboard
- Reports & audit logs
- PDF loan agreement, promissory note, amortization & OR
Compliance, member experience & accounting
- CDA Compliance Center & regulatory reports
- Member registry & share capital ledger
- Officers, committees & trainings
- Document & KYC management with expiry reminders
- Dividend declarations & posting (auto credit to share capital)
- Member self-service portal (PWA) with passwordless login, statement PDF, loan applications & profile change requests
- Digital receipts (email + SMS) with QR verification & web push
- Auto-posted accounting journals (Trial Balance / SFC / SOO)
Beyond loans
- Savings & deposits (regular, time deposit, goal) with interest & maturity
- Surplus allocation to RA 9520 statutory funds (reserve / education / community / optional)
- Patronage refund & interest-on-share-capital distributions
- Member welfare / mutual benefit (damayan) fund
Exam-ready controls
- AMLA Covered-Transaction Report (CTR) detector
- Loan classification & allowance for credit losses (CDA MC 2020-18)
- Bank reconciliation against the general ledger
- PESOS performance rating & Vault Health Index
Get paid & scale
- Online payments via Xendit (QRPh / e-wallet / card)
- Cashier shift & cash drawer reconciliation
- PDC, collateral & salary-deduction lending
- Built-in AI assistant, developer API, SSO & white-label
- Your own custom domain (your-coop.lenduh.com or fully custom)
Questions Philippine coops & lenders ask
What is Lenduh?
Lenduh is lending and cooperative management software for the Philippines. It brings your back office, field collectors, and members into one platform — covering loans, online payments, field collections, savings, accounting, CDA compliance, and a member self-service portal. It's built for cooperatives, lending companies, and microfinance institutions.
Who is Lenduh for?
Lenduh is built for Philippine cooperatives, lending companies, and microfinance institutions (MFIs), and for the people who run them: general managers, board members, bookkeepers, cashiers, field collectors, and owners. It scales from a single office to many branches.
Does Lenduh handle CDA compliance and reports?
Yes. Lenduh prepares the CDA report pack (CAPR, CAFS, PAR, SAR, LOTA, MEDCON), plus loan classification under CDA MC 2020-18 and PESOS performance rating. It produces exam-ready outputs with a mark-submitted workflow; you still file with the CDA yourself.
Can our members pay their loans online?
Yes. Borrowers and members can pay online by QRPh, e-wallet, or card via Xendit through a login-less per-loan pay link. Payments are recorded automatically against the loan by webhook, so balances and books update without manual entry.
Does the collector app work offline?
Yes. The collector app is an installable web app (PWA) that works offline-first, so field collectors keep working with no signal. Payments queue in an outbox and sync automatically once the device is back online.
Is there a free trial, and how does pricing work?
Yes. Lenduh starts with a 30-day free trial with guided onboarding and free data migration. After that, plans scale with your size — talk to us for the right fit.
See how Lenduh works for your team.
Whether you run a cooperative, a lending company, or a microfinance team, Lenduh gives you one platform for borrowers, loans, collections, branches, and CDA cooperative compliance — without the spreadsheets.