A Junngla product · tailored implementationLending is easy. Running the portfolio is the business.
The operating system for lending
LenndOS organizes the entire credit cycle, from the simulation at the counter to the last installment paid, across five portals that share the same customers, applications and installments.
Credit isn't lost when you lend. It's lost afterwards.
Most portfolios are run on spreadsheets, email and criteria that shift depending on who is at the desk. As the operation grows, nobody knows for certain what was lent, at what rate, or which installment is overdue.
Without LenndOS
With LenndOS
Five portals, one system
Each role enters through its own door and sees only what it should. Everyone works on the same data, at the same time.
Customer
Borrowers see their credit and installment schedule, pay online and request restructuring without calling anyone.
Branch
The officer simulates in front of the customer, files the application, tracks their book and sees their monthly targets.
Operations
Application inbox, installment and payment tracking, and the reports that run the day.
Compliance
Risk and compliance review before disbursement, with the evidence attached to each application.
Administration
Branches, users, rate matrix and discount rules: the console where the institution defines how it lends.
The full cycle, no gaps
An application enters through one portal and leaves through another without anyone retyping it.
- 1
Simulation
Amount, term and rate from that branch's current matrix.
- 2
Application
Customer data, supporting documents and any discount with a stated reason.
- 3
Underwriting
Risk and compliance review with the full file in view.
- 4
Disbursement
The credit is issued along with its installment schedule and payment methods.
- 5
Collections
Installments, prepayments, payment links and restructuring for the life of the loan.
What comes built in
Rate matrix per branch
The base rate is set by the institution, not the officer. Each branch runs its own matrix.
Discount rules
How much each role can discount, for what reason and up to what cap. No unrecorded exceptions.
Credit simulator
Amount, term, APR and installment calculated on screen in front of the customer.
Installment schedule
Due dates, payments, arrears and prepayment with the principal balance always current.
Payment links
The charge is sent to the borrower and reconciles itself against the right installment.
Restructuring
Customers request new terms from their portal and it becomes a traceable application.
Traceability and audit
History per application and an impersonation log: who entered as whom, when and why.
Targets and performance
Origination per officer and per branch, measured against the monthly target.
Who it's for
Savings and credit cooperatives
Branch networks with their own criteria that need a single rate rule.
Benefit funds and mutuals
High volumes of small loans, where early collections decide the outcome.
Retailers with in-house credit
Point-of-sale financing with underwriting in minutes.
Lending fintechs
Operations that outgrew their spreadsheets.
It doesn't start from scratch
LenndOS is one more tool in the Junngla toolbox: it runs on the same payments, collections and reconciliation infrastructure already powering Tokeni, Lups and Flux. It ships with each institution's brand, rules and terms.
See the toolboxDoes your portfolio live in spreadsheets?
We'll show you LenndOS running your own operation on screen: your branches, your rates, your terms.
Book a demo