Inclusive micro-lending
Loans for small businesses, start-ups and people new to the country, with the follow-up a social lender gives.
Accountable to funders
Impact figures, a complete audit trail and exports that funders and auditors can use directly.
A small team, one place
Every step in one system. Schedules, interest and reminders are calculated and sent automatically.
One platform
The whole journey of a loan, in one place
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01
Enquiry
Web form, partner or walk-in becomes a lead
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02
Client & KYC
Identity, PEP, sanctions, source of funds
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03
Application
Product, amount, term and a checklist per stage
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04
Assessment
Repayment capacity, risks, guarantees
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05
Decision
Votes under approval rules by amount
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06
Payout
Contract, fees and a fixed repayment schedule
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07
Repayment
Bank import, reminders, late interest
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08
Impact
Portfolio and impact reports for funders
Applications
Every application, visible on one board
- Your own stages, with colours and a target time for each
- A checklist per stage: checks, required documents and KYC must be done before moving on
- Credit assessment: business, strengths, risks, monthly revenue, costs and debts
Decision
Clear decisions, always with four eyes
- Approval rules by amount and product: who approves what is a setting
- Votes count only for the current terms: a new amount, term or rate needs new votes
- The case officer never votes on, approves or rejects their own case
Loans
From contract to a fixed repayment schedule
- Contract, account statement and repayment certificate as PDF, in the client’s language
- Equal payments, equal principal or one payment at the end; grace periods; fees
- Early repayment, extra payments, restructuring and write-off, all recalculated for you
Payments and collections
Bank statements in, payments booked, arrears followed up
- Import ISO 20022 camt.053 / camt.054 or CSV statements; payments are matched by reference
- Late interest charged automatically, after the number of days you choose
- Reminders before and after the due date, by email and SMS, in the borrower’s language
Impact
Show funders who the loans reach
- Loans paid out, borrowers, first-time borrowers and hours of mentoring
- Breakdowns by the fields you choose, such as gender or country of birth
- Excel exports for funders, with no names or ID numbers; small groups are hidden
Configuration
Set it up your way, without programming
Everything that differs from one lender to another is a setting: a new product, a new stage or a new impact field takes minutes, not a development project.
Loan products
Amounts, terms, rates, fees, repayment method, late interest
Pipeline
Stages, target days and the checklist of each stage
Approval rules
Who approves which amounts, per product
Custom fields
Your own data on people, businesses and applications
Reminders
When, by which channel, with which text
Documents
Logo, contract terms and footer per language
Online form
A loan enquiry form for your website
Email and SMS
Your own mail server and SMS provider
Security and compliance
Secure by design, compliant by default
Your own database, with its own database user. No other organisation can reach it.
Two-factor login for everyone, strong passwords and sessions that expire.
Roles and permissions, six ready-made roles, fully editable; nobody can give themselves more rights.
An audit log that cannot be edited, every change, login and look at sensitive data.
GDPR built in, data export, anonymisation that respects AML retention, register of processing.
Encrypted backups every night, a restore test every week, hosted in the EU.
Your team’s language, with help on every page
The interface in English, Swedish and Romanian; each person picks their own, and borrowers get messages and documents in theirs. A help centre of 45 articles with diagrams explains every screen, option and flow.
Bring your current loan book with you
Import clients and running loans from Excel or CSV. Columns are recognised automatically, every row is checked before anything is saved, and an import can be undone.
- 1 Your spreadsheet, or our template
- 2 Columns matched to the right fields
- 3 Every row checked, duplicates skipped
- 4 Running loans continue from today
Request a demo
See Luna360 with your own loan process
Tell us a little about your organisation. We will show you Luna360 in an online meeting, set up with your products and your steps.