Configurable loan products
Configure consumer installment, BNPL, and merchant-advance products, with rules kept separate for consumer and commercial lending.
Lending Core · part of the LendEasy platform
A modern loan management system, built for what you launch next
The LendEasy lending core is a bank-grade LMS where new products and asset classes are configuration, not code — with borrower self-service, integrated accounting, Metro 2 bureau reporting, and payment workflows that track authorization and settlement separately.
New loan product — BNPL · Pay in 4
Lending core · product catalog
Product definition
4 payments · biweeklyproduct class: consumer0% periodic interest
Included capabilities
- Reg Z APR engineon
- Metro 2 bureau reportingon
- Borrower portal & autopayon
- GL postingautomatic
Product-class boundary
Class consumer — consumer rules apply from day one, while merchant-advance rules stay in their own product class.
A new asset class is a configuration exercise — not an engineering roadmap
The system of record
Run the full loan lifecycle in one core
Configure products, manage payments, keep the books, report to bureaus, and give servicing teams current account facts from one system of record.
Borrower self-service portal
A white-labeled portal where borrowers make payments, set up autopay, pull statements, and exchange documents — self-service that deflects calls instead of creating them.
Integrated accounting & GL
Every loan event — disbursement, payment, fee, write-off — posts to the general ledger automatically. Month-end is a review, not a reconstruction.
Credit bureau reporting (Metro 2)
Metro 2 furnishment built into the core, driven by the same ledger facts borrowers see — so what you report always matches what is true.
Value-dated payments
Track authorization and settlement separately, then apply your approved value-dating policy while ACH is still in flight.
NACHA return automation
Apply your retry policy to insufficient-funds returns, and automatically disable closed or invalid payment accounts for review.
Autopay notices in the flow
Generate required recurring-debit notices as part of the payment flow instead of tracking them on a separate checklist.
APR and disclosure calculations
Calculate APR from configured charge treatment and use the result in disclosures, statements, and payoff quotes.
API-first throughout
The user interface, integrations, and AI agents all use the same permissioned APIs.
Products & asset classes
New products are configuration, not code
Set the schedule, charges, APR treatment, bureau reporting, and portal behavior for each product. Product classes keep consumer and commercial rules separate.
Consumer installment
Configure fixed or variable schedules, fees, hardship options, and loan modifications with consumer rules applied to the product class.
BNPL
Pay-in-4 and longer split-pay plans defined in the product catalog: payment cadence, charge treatment, and bureau reporting posture set per product.
Merchant advance
Keep commercial products in a separate product class so merchant-advance and consumer rules do not cross.
Each obligation keeps its product class. The compliance engine applies the rules configured for that class, keeping consumer and commercial treatment separate.
Borrower self-service
Give borrowers common answers and actions online
The white-labeled portal puts payments, statements, autopay, payoff quotes, and documents in one login, backed by the same ledger your team uses.
- Make a payment, set up autopay, or get a payoff quote — figures rendered from the same ledger your team sees
- Pull statements and documents on demand instead of calling for them
- Exchange documents over secure, expiring links — feeding the same review queues your team works
- White-labeled to your brand and backed by the same permissioned APIs as the servicing workspace
One ledger, every surface: the balance a borrower sees in the portal, the figure an agent quotes on a call, and the amount an AI agent puts in a message all come from the same ledger facts, keeping figures consistent across channels.
Books & bureaus
Keep accounting and bureau reporting close to the ledger
Post loan events to the general ledger and produce Metro 2 reporting from the same account facts.
Integrated accounting & GL
Every loan event — disbursement, payment, fee, reversal, write-off — posts to the general ledger automatically, under your chart of accounts, at the moment it happens. There is no nightly export to reconcile and no spreadsheet bridging the servicing system and the books. Month-end is a review of postings that already exist, not a reconstruction.
Credit bureau reporting (Metro 2)
Metro 2 furnishment is built into the core and driven by the same ledger facts borrowers see — balances, statuses, and dates from one source of truth. What you report matches what is true, configured value-dating rules feed account status, and disputes trace back to the facts that produced the tradeline.
Payment operations
Handle authorization, settlement, returns, and notices
Track each stage of a payment, apply your value-dating policy, automate return handling, and keep required autopay notices in the same flow.
Value dating, in plain language
Authorization and settlement are tracked separately. When lender policy uses the authorization date as the value date, borrower status and fee treatment can reflect it while ACH remains in flight.
NACHA returns, automated
Insufficient-funds returns follow your retry policy within network limits. Closed or invalid accounts disable the payment instrument and open a case for review.
Autopay notices in the flow
Generate required amount and timing notices as part of the recurring-payment flow instead of tracking them on a separate checklist.
APR calculations from configured charges
Classify charges by type and recipient, calculate APR, and use the same result in disclosures, statements, and payoff quotes.
Servicing depth
Support the full servicing lifecycle
Handle recoveries, write-offs, credits, refunds, hardship changes, and other lifecycle actions through documented APIs with a complete history.
A complete servicing action catalog
Handle charge-offs with recoveries, write-offs, goodwill credits, chargebacks, merchant credits, and refunds, with the corresponding GL entries recorded automatically.
Hardship mechanics, built in
Re-age a past-due loan, smooth installments, pause interest for a defined period, or reschedule terms, with a full history of each change.
Promises to pay, tracked to outcome
Evaluate payment commitments against the ledger as kept, partially kept, or broken, then update the collections workflow automatically.
Bankruptcy with an automatic stay
Record the filing and stay restriction, apply configured payment and outreach controls, and track chapters, claims, objections, and deadlines on the case.
Two schedule engines
Classic amortization with interest recalculation for term loans and lines — and a progressive engine for BNPL and pay-in-N, with down payments and precomputed payment grids.
Funding orchestration
Disbursements, refunds, and payouts across ACH, RTP, and wire with approval workflow and idempotent processor tracking — including budgeted, construction-style draw schedules.
Prefer to keep the core you have?
The lending core is optional. Connect the servicing control plane, workspace, and AI agents to your existing system of record, then decide about a core migration on your own schedule.
How bring-your-own-core worksPart of the LendEasy platform
Use the lending core with the rest of LendEasy
The control plane checks servicing actions, the workspace organizes the work, and AI agents share the same queues and audit trail.
FAQ
Questions lenders ask about the core
Yes. It is a complete LMS and system of record: configurable loan products, disbursement and repayment schedules, value-dated payment processing, fee and charge handling, integrated accounting with automatic GL posting, Metro 2 credit bureau furnishment, a borrower self-service portal, and a Reg Z APR engine with statements and payoff quotes. It runs standalone, or as the foundation under the servicing control plane and workspace.
Configure your next loan product
Walk through the lending core with the people who built it: configure a product, trace a payment from value date to GL posting, and review the resulting bureau data.