Microlending to many kinds of borrowers means keeping loan originations, daily collections and accounting clean and connected. Done across spreadsheets and disconnected tools, it leaks money and time.
The approach
I architected Credinova, a microcredit platform that runs the whole lending loop: origination (several modalities — fixed-rate decreasing, interest-only, amortized, single payment, with the rate and base fee computed live), a daily collections dashboard that surfaces the most urgent accounts first, client and report management, and a direct accounting integration.
Architecture
A Node.js + Angular + MySQL application on AWS.
A direct accounting integration posts every loan movement to the books, so the financial picture stays current without re-keying.
Modular flows: origination, daily collections, clients and reporting.
The outcome
One system for origination, collections and client management.
Direct accounting integration — no manual reconciliation.
A collections workflow built around urgency and a daily goal.
Stack
Node.js
Angular
MySQL
AWS
Accounting integration
Outcome
Loan origination, collections and client management in one place.
Direct accounting integration — movements reflected automatically.
Daily collections dashboard that prioritizes the most urgent accounts.
