Lending Software Development on an Auditable Ledger
Loan platforms for lenders, marketplaces and banking-as-a-service providers, in Java and Spring. A versioned ledger underneath gives every balance a history and every credit decision a recorded reason.
Delivery, scale and the rules ahead
- 4 weeks
- target for a new lender's first product, as a time and materials MVPStartup MVP offer
- 1,000,000,000
- financial transactions in under an hour on FastPost, 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, BNPL and embedded finance providers, and banks replacing loan servicing
- What we build
- Origination, decisioning, servicing, collections, and the ledger and reporting underneath
- How it is sold
- A four-week time and materials MVP, modernization sprints or team extension
- Regulatory context
- DORA since January 2025; EU AI Act rules for credit scoring from December 2027
Lending platform problems we understand from the ledger up
Most of the hard work in a lending platform sits in decisions, schedules and the month-end close.
Launch a new product without a rebuild
A first product live in weeks, and each later product added as configuration on the same ledger, without rebuilding the platform or migrating data.
Credit decisions you can explain later
Every decision stored with its inputs, rules and model version, so you can show a regulator or a customer who appeals exactly why it was made.
Schedules that stay right
Interest, fees and repayment schedules that recompute correctly after a payment holiday, a restructuring or a missed payment, with every change recorded.
Month-end that finishes
Servicing volumes that keep growing while the month-end close still finishes inside its window, measured before and after every release you ship.
The developed software product was built from scratch with solid quality. We have had a long-term engagement with Stratoflow for nearly 10 years. We look at them as partners, rather than contractors. I'm impressed by their team culture and cross-team support.
Parts of a lending platform we build
Origination
Application, identity and document capture and affordability data, with the audit trail starting at the first field.
Decisioning
Readable rules and explainable models, run inside the application path without slowing it, with every decision and its inputs stored.
Ledger and schedules
Balances as versioned facts, and interest and fee schedules that recompute correctly after a payment holiday.
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, with the failure, retry and reconciliation paths designed in.
Reporting
Regulatory and management reporting drawn from the ledger itself, so the numbers agree and month-end finishes on time.
Borrower and broker portals
Self-service applications, statements and repayments for borrowers, and a broker view of the pipeline, on the same APIs.
AI in lending operations
Document reading, arrears triage and agent support, with the logging and human review the AI Act asks for in credit.
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
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Services 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.
Custom loan management software development pays off when your product, your decisioning or your distribution is what sets you apart, when volumes make per-loan licensing expensive, or when an existing platform is what stops you launching. Those are the cases we take, and the scoping call and written ballpark tell you which one you are in.
Questions about lending software development
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 program of time and materials phases over several months, with working software shown 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 behavior: rate limits, inconsistent responses, and what a 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 program delivered in phases, yes, and 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.
Lending and fintech guides from our engineers
- Fintech and Banking
Fintech Trends 2026: AI Results, Profitable Growth and Instant Payments
The fintech trends that matter in 2026, with current data: investment returns for fewer and larger companies, AI that works in fraud and fails without a human route, instant payments, open banking rules, embedded finance after Synapse and APP fraud reimbursement.
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Banking Technology Trends 2026: 8 Shifts That Matter for Bank Leaders
Eight banking technology trends for 2026, backed by data: mobile banking as the main channel, core banking modernization, AI with measured returns, instant payments, scams, DORA and fintech partners.
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10 Best Fintech Software Development Companies in 2026
Ten fintech software development companies compared, and how to choose one you can trust with money.
Schedule a scoping call about your lending platform
Thirty minutes with an engineer on your products, platform and launch date, then a written view of scope and price model.