Features · Borrower management
Borrower, guarantor and collateral management
A loan is only as good as the file behind it. LoanTabs keeps the borrower, the guarantors, the collateral and the supporting documents together with the loan, so the evidence is where you need it when you need it.
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What is borrower management software?
Borrower management software keeps a complete record of each person or business that borrows: their details, identification, documents, guarantors, collateral and loan history. In LoanTabs each borrower has one record, linked to every loan they take, so a lender can see their exposure and their repayment history in one place.
For a lender the borrower file is the risk file. It is what you rely on when a loan goes late, when a guarantor is called, or when an auditor asks for the evidence behind an approval. Losing it, or scattering it across drawers and phones, is a real business risk.
What LoanTabs records for each borrower
Collateral statuses and what they mean
Collateral in LoanTabs carries a status of active, released or seized. Active means it is held against a live loan. Released means the loan has been repaid or the security otherwise freed. Seized means you have taken possession following default. Recording that status against the loan keeps the story of each asset clear, and it means a released asset is not still counted as security.
Recording value, serial or registration numbers and insurance details turns collateral from a note in a file into something you can check and act on. If you want to understand when to ask for collateral and when a guarantor is enough, read our guide to collateral vs guarantor.
What borrower management in LoanTabs does not do
LoanTabs stores identification numbers and documents but does not verify identity automatically or connect to a KYC provider, and the credit score is a field you complete rather than a score LoanTabs calculates. There is also no separate borrower type for groups; group lending is delivered as a custom implementation. Our KYC checklist for small lenders explains what evidence lenders commonly collect.
Borrower management: common questions
Can LoanTabs track guarantors and collateral?
Yes. Guarantors can be linked to loans, and collateral such as vehicles, land, buildings, equipment, inventory and savings is recorded with value, identifying numbers, insurance and status.
How many documents can I upload for a borrower?
Up to 10 files of up to 10 MB each per record, or you can link to files stored elsewhere.
Can I lend to businesses as well as individuals?
Yes. A borrower can be a person or a business, recorded by name with contact and identification details.
Can I import my existing borrowers?
Yes, by CSV with a template and a validation report, or together with loans and payments from the free Excel starter template.
Keep exploring
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Keep every borrower file complete
Start a 30-day free trial, import your borrowers and attach documents and collateral to real loans.