Finance Lend SaaS - AI Powered Loan & Lending Management System

New – Approvals & Credit
[New] Multi-level loan approval with amount tiers and senior approvers
[New] Approval rules for restructures and early closures
[New] Credit profile (score 0–100 with reasons) on every application
[New] Extra approvals for a Poor credit profile
[New] Approvals queue, menu counter and notifications to approvers
[New] Audit log

New – Loans & Collections
[New] Part payments, per-day late fees with grace period and early closure with a quote
[New] Restructure / top-up with a full record
[New] Collections worklist, collector assignment, auto-assign, contact log with promise-to-pay
[New] Print sheet and CSV for collectors
[New] Guarantors and collateral with loan-to-value
[New] Loan agreements with online acceptance and an audit trail
[New] PDF receipts and loan statements
[New] Reminders by email, SMS and WhatsApp with a Pay Now link

New – Reports & Accounting
[New] Collections, Disbursements, Overdue and Portfolio at Risk reports (PDF, Excel, CSV)
[New] Accounting export: CSV, Excel, QuickBooks (IIF) and Tally (XML)

New – AI Tools
[New] Ask Finance Lend, dashboard AI brief and loan AI brief
[New] Write with AI, collection message drafts and bank slip reader
[New] My Assistant for customers, document review, risk badge
[New] AI Usage page with allowance and your own API key option

New – Website & Customers
[New] Lender website builder with pages, blocks, own domain, sitemap and enquiry inbox
[New] Online customer sign-up and loan application
[New] KYC document upload, customer top-up and closure requests
[New] "Get our app" page with QR code, company code and store buttons, and a "My website" menu in the header

New – Mobile Apps & API
[New] Customer API for the Android and iOS apps: company search by name or city, company code, sign-in with password or an emailed code
[New] Read-only REST API with tokens

Security & Fixes
[Fix] Removed an open route that let anyone sign in as any user
[Fix] Closed several cross-organisation access holes found in an audit of the original code
[Fix] Bank-transfer acceptance restricted to the owner and made single-use
[Fix] Payment amounts validated on every gateway
[Fix] Notification emails are sent again

* WhatsApp Integration for Sending Notification
* Razorpay Payment Gateway Integration
* Auto notification sending (Cron Job) to the customer for loan repayment reminder.
* Expense Type Module
* Change the UI, Customer, and Loan page.

* Add Report Section : Loan, Loan Payment, Account, Transaction & Expense
* Add n8n Integration

* Added Cloud Storage Integration like AWS, Wasabi
* Added Customer Login Module
* Added Customer Dashboard with Payment Gateway
* Added SMS Template System
* Added Twilio SMS Integration

* UI Improvement
 * Dynamic Landing Page CMS
 * Pricing Features Enabled/Disabled
 * 2-Factor Authentication
 * Impersonate Features
 * Fixed Small Bugs
 * Added Custom Color Picker in Theme Settings

* Added Email notification enable/disable option. 
 * Added Owner account email verification enable/disable option.
 * Added Email notification template

* Added flutterwave payment gateway integration in subscription packages. 
* Fixed small issues.

* Initial Release