Loanstack

Name: Loanstack
Price: 30 USD

Modern loan management for growing lenders

Loanstack is a lending operations platform for managing borrowers, loans, repayments, documents, and collections. It provides a single system for the complete loan lifecycle, from borrower setup and drawdown to repayment, collections and settlement. The platform includes borrower records, flexible loan structures, repayments and banking, collections workflows, documents and e-signing, communications, reporting and insight, and audit and evidence. It offers a Free plan with up to 5 active loans, a Pay as you go option with loan credits, and an Unlimited plan for £30 per month during launch offer. The developer platform (REST API, webhooks, Zapier) is included on every plan. Security features include strict organisation separation, role-based access control, two-factor authentication, encrypted sessions, detailed audit history, private document storage, malware scanning, tamper-evident evidence, HTTPS, HSTS, CSRF protection, rate limiting, daily backups, and a deny-by-default firewall.

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Key facts

Starts at: $30/mo
Free plan: Yes
Free trial: No
Open source: No

What it does

Api access
Audit trail
Automations
Custom fields
Custom branding
Custom domain
Data exports
Document management
E-signatures
Encryption
File uploads
Integrations
Mobile app
Notifications
Permissions role based access control least privilege two factor authentication organisation separation scoped api keys signed webhooks rate limiting malware scanning sha 256 fingerprinting tamper evident evidence private document storage https hsts csrf protection xss protection sql injection protection content security policy secure cookies session encryption bcrypt password hashing daily infrastructure backups deny by default firewall automatic security updates cloudflare edge protection idempotency webhook delivery diagnostics event specific webhook subscriptions organisation level policies borrower portal branded borrower login branded public lender page and subdomain reusable loan product templates multiple drawdowns payment allocation and reallocation csv bank statement imports automatic mapping template detection transaction matching workspace collections case management borrower risk indicators portfolio dashboard email delivery and open tracking inbox and role based notifications international date and money formatting multiple organisations per user loan time machine one click evidence packs automated collections sequences per borrower automation exclusions and grace periods template based agreement generation drawn electronic signatures signature timestamps and ip evidence secure identity document requests lender and borrower kyc uploads identity evidence review and approval on demand and scheduled statements manual collections case management team members and configurable roles user and financial audit logs zapier ready integration support rest api with scoped keys signed webhooks and delivery activity unlimited active loans unlimited plan custom branded domain unlimited plan loan credits pay as you go free tier with 5 active loans no card required to start change plans at any time cancel anytime quick to set up core servicing included on free plan api webhooks and zapier included on free plan unlimited plan from 30 month pay as you go 10 per loan credit launch offer unlimited 30 month no implementation quote no mandatory sales call borrower records flexible loan structures equal instalments minimum payments balloon balances custom schedules interest fixed fees staged penalties repayments and banking underpayments overpayments late payments manual allocations reversals reusable csv bank mappings collections workflows prioritise overdue cases record promises schedule actions automate suitable borrower reminders documents and signing upload agreements generate documents collect signatures retain timestamps ip details and evidence audit and evidence accountable chronology historical time machine views one click evidence packs reporting and insight balances upcoming payments arrears portfolio movement communications borrower emails delivery status operational history loan workspace terms drawdowns fees payments live balance banking review collections queue borrower portal agreement e signing automation and api loan setup and servicing individual and business borrowers multiple loans per borrower reusable loan product templates equal instalment schedules minimum payments with a final balloon weekly monthly quarterly and custom frequencies interest free and interest bearing loans fixed arrangement fees date based stepped settlement fees additional fees and penalties during the term guarantors and multi party signing multiple drawdowns with supporting evidence underpayments overpayments and late payments payment allocation to specific instalments payment reallocation and corrections effective transaction dates repayment reversals with an audit trail csv bank statement imports reusable bank mapping templates automatic mapping template detection duplicate and import error review transaction matching workspace secure borrower accounts and portal custom borrower fields branded borrower login experience pdf agreement uploads and in app previews template based agreement generation drawn electronic signatures signature timestamps and ip evidence secure identity document requests lender and borrower kyc uploads identity evidence review and approval on demand and scheduled statements portfolio dashboard and reports manual collections case management borrower risk indicators team members and configurable roles two factor authentication controls user and financial audit logs email delivery and open tracking inbox and role based notifications international date and money formatting multiple organisations per user branded public lender page and subdomain rest api with scoped keys signed webhooks and delivery activity zapier ready integration support unlimited active loans unlimited plan automated collections sequences per borrower automation exclusions and grace periods loan time machine one click evidence packs custom branded domain unlimited plan zapier integration example zaps payment recorded triggers xero bank transaction and gmail email loan activated triggers hubspot deal update and google sheets row collection next action due triggers asana task and discord alert borrower created triggers airtable record and notion update rest api read and write borrowers loans payments drawdowns fees notes documents and collections through scoped organisation api keys signed webhooks receive complete event payloads validate signatures inspect delivery attempts response headers status and duration controlled access least privilege read and write scopes revoke credentials keep activity within organisation boundary webhook activity records payload request headers remote response retries handling duration event specific endpoint subscriptions object rich payloads for automation tools delivery history and response diagnostics organisation role permissions strict organisation separation roles and least privilege two factor authentication mandatory for owners and administrators can be required for wider team protected passwords and sessions bcrypt hashing encrypted server side sessions secure httponly cookies detailed audit history logins financial changes emails downloads administration actions private document storage authorisation checks on every preview and download malware scanned uploads clamav scanning file rejected if cannot be scanned safely tamper evident evidence sha 256 fingerprint signature timestamps signer context ip evidence secure browser connections https hsts secure cookies secure application defaults csrf protection escaped output orm query binding strict validation rate limited sensitive actions login signing identity upload document access api and webhook routes daily infrastructure backups deny by default network firewall only ssh http https exposed mariadb restricted to local server nginx and php fpm production architecture no public development server or database port automatic ubuntu security updates active malware scanning service cloudflare edge and network protection server version details suppressed production debugging disabled strict security headers content security policy hsts frame protection mime sniffing protection restricted permissions financial and evidence integrity ledger driven balances corrections create attributable reversals or adjustments sensitive links use protected high entropy tokens files validated before storage with allow listed file types size limits mime checks malware scanning and cryptographic fingerprints exports remain permission controlled financial actions remain explainable corrections preserve original event and reason for change payment recorded with actor effective date amount and allocation retained allocation corrected with original allocation reversed and reason retained statement delivered with delivery and open timestamps recorded to the second no claimed certifications real controls not invented badges contact for security questions

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