Lending software development on a ledger that can be audited
Loan platforms for lenders, marketplaces and banking-as-a-service providers, in Java and Spring, with a versioned ledger underneath so every balance has a history and every decision has a reason on record.
- 4 weeks
- target for a new lender's first product, as a time and materials MVPStartup MVP offer
- 1,000,000,000
- transactions an hour on the ledger engineering underneathFastPost, developed for Legerity from 2013
- Dec 2027
- EU AI Act high-risk rules for creditworthiness assessmentRegulation (EU) 2024/1689
- Who it is for
- Consumer and SME lenders, buy-now-pay-later and embedded finance providers, and banks replacing a loan servicing system
- What we build
- Origination and application flows, decisioning with explainable rules and models, servicing (schedules, repayments, arrears), collections, and the ledger and reporting underneath
- How it is sold
- A time and materials MVP with a ballpark estimate, targeting four weeks for a new lender; Modernization Sprints for an existing platform; Team Extension when you own the roadmap
- Regulatory context
- DORA resilience since January 2025; EU AI Act high-risk obligations for creditworthiness assessment from December 2027; national consumer credit rules
What lenders want from their platform
Launch a new product without a rebuild
A first product live in weeks, then new products as configuration on the same ledger.
Decide in seconds, explain for years
Every decision stored with its inputs and its reason, ready for the regulator and the appeal.
Schedules that stay right
Interest and fees that recompute correctly after a payment holiday or a restructuring.
Month-end that finishes
Servicing volumes that grow without the close growing with them.
The parts of a lending platform, and what each has to get right
Origination
Application, identity and document capture, affordability data collection, with the audit trail starting at the first field.
Decisioning
Rules you can read and models you can explain, run inside the application path without slowing it, with every decision and its inputs stored for the regulator and the appeal.
Ledger and schedules
Balances as versioned facts, interest and fee schedules that recompute correctly after a payment holiday, and month-end that finishes.
Servicing and collections
Repayments, arrears, restructuring and collections workflows, with the customer communication and the forbearance rules built in.
Payments integration
Direct debit, open banking, card and instant payment rails, including the failure and reconciliation paths.
Reporting
Regulatory and management reporting drawn from the ledger itself, so the numbers agree by construction.
The ledger engineering underneath
- Flagship · Banking and fintech · from 2013
FastPost: a billion financial transactions in under an hour
FastPost, a rule-driven, high-performance accounting platform developed for Legerity by Stratoflow from 2013, used by telcos and insurers worldwide.
1,000,000,000 transactions / hour
- Banking and fintech · Integration
Kusiri: forensic data platform integrations, later acquired by PwC
Third-party data integrations and performance tuning on an OSGi-based Java platform for due diligence and anti-money-laundering search.
Acquired by PwC
The bespoke metal exchange platform works great, it is easily accessible and richly functional. Stratoflow managed deadlines capably, meticulously documented their progress, and delivered a complex project at an affordable cost.
Bartłomiej KnichnickiVice Chairman, Supervisory Board, Mennica SkarbowaServices for lenders
Buy the loan management system if your products are standard
The market for loan management software is well served. If your products are conventional and your volumes modest, a product will cost less than a build, and we will tell you which ones to look at.
Build when your product, your decisioning or your distribution is the differentiator, when volumes make per-loan licensing painful, or when an existing platform has become the thing that stops you launching. Those are the cases we take, and the scoping call and written ballpark at the start say which one you are.
Lending software, the practical questions
How long does it take to build a lending platform?
A first product with one workflow can be live in four weeks as a time and materials MVP with a ballpark estimate. A full platform with decisioning, servicing and collections is a programme of time and materials phases over several months, with working software demonstrated every week. Replacing a live servicing system runs in parallel with the old one until the ledgers agree.
Can you integrate credit bureaus and open banking?
Yes. Bureaus and open-banking providers differ less in protocol than in behaviour: rate limits, inconsistent responses, and what the decision should do when a source times out. We design for that from the start.
How do you handle the AI Act for credit decisioning?
Creditworthiness assessment is a high-risk use under the EU AI Act, with obligations from December 2027. Any model in the decision path is built with logging, human review points and the technical documentation the Act requires. If a readable rule decides as well as a model, we recommend the rule.
Will we own the platform?
Yes. The code lives in your repositories from the first commit, and the agreement assigns ownership of the delivered work to you.
Is a boutique team enough for a lending platform?
For a platform programme delivered in phases, yes, and it means the engineers who scope the work are the ones who build it. Nobody is subcontracted.
What technology do you build lending platforms on?
Java and Spring, a versioned ledger on PostgreSQL, Kafka for repayment and arrears events, and an in-memory grid where decisioning has to answer inside the application path.
Around lending
Book a scoping call
Thirty minutes with an architect, not a salesperson. You leave with a written view of scope, price model and whether we are the right team for it.