Run every loan from disbursement to closure — schedules, restructures, accruals, delinquency buckets and multi-currency GL postings — on an engine that keeps your books accurate and your ops lean.
Once a loan is booked, PhotonMatters loan management owns its entire lifecycle. It disburses funds, builds and maintains the repayment schedule, accrues interest and fees, applies repayments, buckets delinquency, and posts every movement to the general ledger — across multiple currencies and books.
Restructures, reschedules and write-offs are handled inside the same ledger, so the books stay accurate and auditable while your team spends far less time on manual reconciliation and spreadsheet corrections.
Release funds to bank, wallet or mobile money and track funding lines against each loan.
Generate repayment schedules and reschedule, top-up or restructure without breaking the books.
Accrue interest, penalties and fees on flexible day-count and pricing rules, daily and on demand.
Age past-due loans into buckets and trigger provisioning and collections workflows automatically.
Double-entry postings to your general ledger across currencies, books and accounting periods.
Automated due-date, receipt and arrears alerts over SMS, WhatsApp, email and voice.
Funds release and the loan books with its opening schedule and ledger entries.
Accruals run, repayments apply, and restructures and top-ups keep the schedule current.
Past-due loans bucket and feed notifications and collections workflows automatically.
On full repayment or write-off the loan settles and the ledger closes out cleanly.
Feed booked loans straight from origination, push delinquent accounts into collections, and keep the ledger square with reconciliation AI.
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