Online loan application software

Online loan application software for lenders

LoanTabs lets your staff take and process loan applications online: capture the borrower's details and documents, send the application through your approval rules, and disburse, all in one system.

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What is online loan application software?

Online loan application software captures loan applications digitally, keeps the borrower's details and documents together, and moves each application through review, approval and disbursement. In LoanTabs your team enters and processes applications online, with the borrower in person, by phone or through an agent, and borrowers you invite can also apply themselves in a customer portal.

Many money lenders assume online loan applications means a public web form. In practice a large share of lending, especially in person, by phone or through agents, still starts with a staff member talking to the borrower. What those lenders need is not a form on a website but a fast, structured way to capture the application, so nothing is lost on paper and the approval trail is clear.

LoanTabs supports both ways in. Staff enter each application online, attach the documents, and send it through your approval rules. Borrowers you give login access to use your customer portal link to apply for a loan, upload their documents and view their loan statements; what they send arrives as a draft with the documents attached, ready for your normal review. Either way the result is an application record that everyone in the institution can see, rather than a sheet of paper or a chat message.

How a loan application moves through LoanTabs

From first contact to the money going out, in one system.

Step 1
Capture the borrower
Add the borrower, either a person or a business, with contact details, ID number, custom fields and supporting documents.
Step 2
Set up the loan
Choose a loan product, then enter the amount and term. A live schedule preview shows the repayments before you save. Save as a draft if details are missing.
Step 3
Approve
The loan goes through the approval rules you set for the branch. Guarantors and collateral can be attached first. Every decision is logged.
Step 4
Disburse and service
Once approved, disburse the loan. From then on, repayments, receipts and statements are all in the same record.

What the online application process includes

The parts of intake and approval that matter most to a lender.

Borrower files and documents

Attach ID documents, security documents and agreements to the borrower and the loan, or link to files held elsewhere.

Borrower and document management

Live repayment schedule

See the schedule while you create the loan, so the borrower understands the repayments before anything is committed.

Loan schedules and products

Drafts and cloning

Save an incomplete application as a draft, or clone an existing loan to start a similar one quickly.

Loan drafts and cloning

Approval rules by role

Branch managers and admins always approve; you can add other roles. Small teams can create and disburse in one step.

Loan approval workflow

Guarantors and collateral

Record guarantors and collateral such as vehicles, land or equipment, with values and registration numbers, against the loan.

Guarantor and collateral tracking

Draft loans by conversation

The AI assistant can prepare a loan from a description. You review the details and confirm before anything is saved.

AI loan assistant

How does staff-side application entry fit different lending styles?

The same application record works whichever way your borrowers reach you.

How does staff-side application entry fit different lending styles?
How you lend	How LoanTabs fits
In-person lending	Capture the application with the borrower present, check details as you go, and attach ID and security documents on the spot.
Phone and agent-led lending	Staff or agents enter the application as soon as the call or visit ends, and the approval trail starts immediately.
Multi-branch lending	Each branch's applications follow that branch's approval rules, and head office can see them all.
Small teams	An admin can create and disburse a loan in one step, so a solo lender is not slowed down by an approval queue.

What about KYC and credit checks?

LoanTabs records the borrower's ID number, lets you attach ID and security documents, and has a credit score field on the borrower record. If you use a verification service or a credit bureau, record the outcome and attach the evidence to the borrower's file.

Know-your-customer practice varies from country to country, and LoanTabs gives you a structured place to keep the evidence your market asks for. Our guide to a KYC checklist for money lenders covers the common elements.

What to look for in online loan application software

Use this list to compare any product, including LoanTabs.

Capture of borrower details, ID and documents in one record.
A workflow with approval rules and a log of each decision.
A repayment schedule preview before the loan is committed.
Support for guarantors and collateral, not just the borrower.
A way to import applications or borrowers you already hold.
A free trial you can run on real applications before you commit.

Online loan application software: common questions

How do applications reach LoanTabs?

Your staff capture each application online, with the borrower in person, by phone or through an agent, or borrowers apply in the customer portal. Either way the application goes through your approval rules to disbursement in the same record.

Can borrowers apply online themselves?

Yes. Grant a borrower login access and they can use your customer portal to apply for a loan on the products you make visible, upload documents and view their loan statements. You can send the portal link and a QR code from the borrower's profile or from Settings.

Can I take loan applications online without a website?

Yes. LoanTabs is used by your staff in a web browser, and your customer portal link works as a ready-made application page. You do not need to build or host an application form.

How do I handle signed agreements?

Draft the contract from the loan using your own template, issue it as a PDF, record when it was signed and attach the scan, so the signed copy always travels with the loan.

Can I approve loans online?

Yes. Loans follow approval rules set per branch and every decision is logged. Branch managers and admins always approve, and small teams can create and disburse in one step.

Can I import applications from Excel?

You can import borrowers by CSV, and borrowers, loans and payments together from the free Excel starter template.

Keep exploring

Process loan applications online with LoanTabs

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