ERPNext for lenders, brokers and insurers: audit-ready accounting, loan management with Frappe Lending, bank reconciliation, client management and API integrations. Request a demo.
Lenders, brokers and insurers need a fast, secure system that meets regulatory requirements and shows numbers in real time. ERPNext for financial services is built around financial management, compliance and client relationships, not only the supply chain focus of many traditional ERPs: an immutable general ledger, daily bank reconciliation, accounting period closing and fine-grained permissions for every user.
For loans and financing, the Frappe Lending app adds the full lending cycle on the same database: loan products, applications and approvals, securities, disbursement, repayment schedules, collection, interest accrual and penalties, with every movement posted to the ledger immediately. It suits consumer finance, SME lending and microfinance companies.
Operion, an official Frappe ERPNext partner in Egypt and Saudi Arabia, delivers loan management software and accounting for financial institutions from analysis to go-live, with on-premise hosting where required, API integration with banking systems and e-invoicing for ETA and ZATCA.
Entries that cannot be edited after posting, a trail for every change and closed accounting periods.
From loan application and securities to disbursement, repayment and collection in one system.
Roles and permissions down to document and field level, with approval workflows configured without code.
Transparent code with no vendor lock-in, and all data available through a REST API.
Financial institutions handle high transaction volumes under strict oversight, and every gap between systems becomes a risk.
Real ERPNext and Frappe Lending screens showing how financial operations run, from loan application to financial statements.
Record the loan application with product, amount, interest rate and number of periods, and attach proposed securities with their value. The application follows your approval workflow, and once approved the loan and security pledge are created from the application without re-entering data.
Set the loan amount, rate, repayment method and number of periods, and the system builds the repayment schedule with principal, interest and outstanding balance for every month. Interest is accrued periodically by the interest accrual process, and penalties apply to late installments according to the loan product settings.
Follow every loan in the portfolio from one screen with its status: sanctioned, partially disbursed, disbursed or closed. Each disbursement and repayment is its own document posted to the ledger immediately, so the portfolio matches the general ledger at all times without month-end reconciliations.
Import bank statements, match transactions with payments and journal entries automatically or by hand, and book bank charges directly from the reconciliation tool. Balances reflect reality day by day, and month-end close becomes faster and more accurate.
An immutable general ledger, a history of every change and reports traceable to the source document. Once a period's statements are approved, the selected document types are locked, so no invoice or entry can be created or cancelled that would change numbers the auditor has reviewed.
Use cost centers and accounting dimensions to analyze income and expenses by branch or financial product, and run the P&L, balance sheet and cash flow for any period. The Financial Report Template lets you build statements in the format management or the regulator requires, and consolidate subsidiaries.
Track leads, opportunities and sales stages for each financial product on a Kanban board, and keep the full communication history with each client, from emails to meetings and tasks. Link proposals to contracts and invoices, and assign clients to relationship managers with permissions over who sees each portfolio.
Automated payroll and deductions, and expense claims that pass multi-level approval workflows before posting to the right cost center. Roles and user permissions define exactly who sees each statement and who approves each document.
Every loan moves through clear stages, and each stage shows up in the accounts and reports immediately.
Reports traceable to the source document, filtered by branch, cost center and accounting dimension.
What is the institution's financial position on any date, per branch or subsidiary?
What are interest income, fee income, expenses and net profit for each period?
Where did cash come from and where was it used during the period?
What does the group look like after consolidating its subsidiaries?
Which client balances are overdue, and in which ageing buckets?
What are the details of every movement on an account and its source document?
Which loans are active or overdue, and how much was disbursed and collected per product?
How does actual spending compare with the approved budget per cost center?
A team of 10 Frappe School certified experts builds a system that fits your financial business and regulatory requirements.
We document your financial products, approval paths and regulatory reporting needs before setup, and design the chart of accounts and accounting dimensions around them.
We configure Frappe Lending for your loan products, and build any specialized operations on the Frappe Framework or connect them to your systems through the API.
Run on Frappe Cloud or your own servers with fine-grained permissions and backups, plus e-invoicing integration with ETA and ZATCA.
We migrate client balances, existing loans and opening balances, train finance and collection teams and support you after go-live, with the Smart Go app to follow the business from your phone.
Loan management is provided by Frappe Lending, a separate Frappe app installed with ERPNext that shares its database and accounts. Specialized operations such as insurance policy issuance or trading are built as custom apps on the Frappe Framework or connected through the API.
Step-by-step documentation for the features on this page.
Didn’t find your answer? Our team replies within one business day.
Loan management is provided by Frappe Lending, a separate Frappe app installed with ERPNext that shares its database and accounts. It covers loan products, applications, securities, disbursement, repayment schedules, collection and interest accrual.
Yes. Frappe Lending covers the core lending cycle from application to repayment, and ERPNext covers accounting, CRM and payroll. Operion analyzes your specific needs, such as product types, penalty rules and required reports, and delivers them through configuration or customization on the Frappe Framework.
Yes. ERPNext can run on Frappe Cloud, with a certified partner, or on the institution's own servers, as some regulators require. Operion sets up and operates either option.
Yes. All system data is available through a REST API, allowing integration with loan origination, core banking systems and payment gateways. You can also import bank statements and reconcile them in the Bank Reconciliation Tool.
It fits their financial and administrative side: accounting, compliance, payroll and client management. Specialized operations such as policy issuance or trading are built as apps on the Frappe Framework or connected through the API. Frappe notes that Zerodha, India's stock broking platform, is built on the Frappe Framework.
Posted entries are never edited; they are cancelled and amended with a new document, and the system keeps a history of every change. Closed Accounting Periods block selected documents, and roles and user permissions control who can see and approve each record.
Yes. Cost centers and accounting dimensions let you analyze income and expenses by branch, product or any dimension you define, and financial statements and budgets can be broken down along them.
It depends on the size of the institution and the number of modules and integrations, but it typically takes 8 to 16 weeks, covering analysis, setup, data migration, training and go-live.
See how ERPNext can make your business more efficient and cut costs, with Operion beside you from analysis to go-live and support.
