Repayment Scheduling
Automated repayment schedules with grace periods, early-repayment rules, and instalment frequency options — generated instantly at disbursement.
Repayment Scheduling takes the product rules you have defined and turns them into a precise, per-loan repayment calendar the moment a loan is disbursed. Borrowers know exactly what they owe on each due date. Credit officers know when to expect payments. The collections engine knows when to trigger arrears workflows. Everything works from the same schedule — automatically maintained as payments come in or the loan is restructured.
Everything you need, nothing you don't
Multiple Repayment Frequencies
Generate schedules for weekly, fortnightly, monthly, quarterly, or custom repayment cycles — configured per loan product and applied automatically at disbursement.
Grace Period Management
Define a grace period during which no repayments fall due. The schedule automatically shifts the first due date to after the grace period ends — with interest accruing throughout.
Bullet vs. Amortising Schedules
Support both fully amortising schedules (equal instalments of principal + interest) and bullet repayment structures (interest only during the term, principal at maturity).
Early Repayment Handling
When a borrower makes an unscheduled payment, the schedule recalculates automatically — reducing outstanding principal, recalculating future interest, and updating all future due dates.
Top-Up Loan Schedules
For loans that are topped up before full repayment, the system calculates a blended schedule that incorporates the existing balance and the new disbursement cleanly.
Restructuring
When a loan is restructured — extended tenure, reduced rate, or capitalised arrears — a new schedule is generated from the restructure date and replaces the original, with the original retained in history.
Borrower Schedule Statement
Borrowers can access their full repayment schedule — amounts, due dates, and outstanding balance — via the agent portal, SMS, or printed statement at any time.
Schedule vs. Actual Reporting
Reports showing the variance between the expected repayment schedule and actual receipts — by individual loan, portfolio, or date range — for collection planning.
Built for your team
Access the repayment schedule for any active loan instantly — to answer borrower queries, plan collection follow-up, or assess restructuring options.
Use the schedule as the authoritative source of what is due, when — with automatic handoff to the collections engine when payments miss their due date.
Know exactly what is owed on each due date, with the complete schedule accessible via SMS request or through the agent who originated the loan.
Ready to activate Repayment Scheduling?
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