Frappe Lending
What Frappe Lending gives you
Loan products
Define products with interest types, penalties, charges and eligibility once — reuse forever.
Repayment schedules
Auto-generated EMI schedules with moratorium support and clean restructuring.
Disbursement to closure
Disburse, collect, settle, write off or refund — every event posts its accounting.
Collateral management
Security types, valuations and shortfall alerts tied to each loan account.
DPD & NPA automation
Days-past-due tracking with automatic NPA classification per your policy.
Loan accounting
Interest accrual, suspense handling and reports that reconcile to the general ledger.
Also included
How Frappe Lending works in practice
An approved application disburses against a defined product; the schedule generates itself, collections post against instalments and DPD counters run nightly. When an account crosses your NPA threshold, classification and interest suspension happen by rule, not by someone remembering. Auditors and regulators get registers that tie to the ledger, because the ledger and the loan book are the same system.
For NBFCs and lending desks
NBFCs, chit-adjacent lenders and companies running employee or dealer finance use it to escape spreadsheet risk. It posts into ERPNext accounting and rides Frappe Framework; see the Frappe ecosystem or the official Frappe site.
Frequently asked questions
Can Frappe Lending handle NPA rules?
Yes — days-past-due tracking drives automatic NPA classification and interest suspense per policy.
Does it support co-lending?
Co-lending with interest splits and branch transfers is built in for multi-party arrangements.
Is the accounting integrated?
Every loan event posts journal entries, so the loan book and general ledger never drift apart.