LoanOS — The lending platform built for Philippine lenders

The cost-to-feature problem

Core banking is overkill. Spreadsheets are a liability. LoanOS is the fit.

Philippine lenders are forced to choose between million-peso core-banking suites built for universal banks, foreign SaaS that has never heard of the CIC or a DST stamp, or fragile spreadsheets that fall apart at the first BSP examination. LoanOS is purpose-built for the middle — the lender that needs real compliance and a real ledger, right-sized for an SME and owned outright rather than rented.

1 lifecycle

Application → underwriting → disbursement → repayment → closure, in one system

11 events

Append-only domain ledger — every booking, payment & reversal is auditable

6 channels

GCash, Maya, InstaPay, salary deduction, cash & field collection

Weeks, not years

Go live in a quarter — no multi-year core-banking implementation

One platform, the whole book

Everything a Philippine lender actually needs

Not a generic CRM with a loans bolt-on. Every module is shaped around how regulated lending works here.

Full loan lifecycle

Digital application, underwriting workspace, maker-checker approvals, disbursement, repayment scheduling and closure — monthly, semi-monthly, weekly or daily cadence.

SEC rate-cap guardrails

Configure products against SEC MC 14 nominal, EIR and penalty ceilings. Anything over the cap is flagged before it ever reaches a borrower.

CIC & multi-bureau scoring

Pluggable credit-bureau drivers with namespaced providers, a house score model, and a full credit-inquiries register for CIC reporting.

Double-entry GL ledger

Immutable journal with configurable GL event mappings, manual entries and payment reversals — your books reconcile to the cent, on demand.

AML & sanctions screening

RA 9160 detection rules, CTR/STR registers, and UN Security Council sanctions screening synced from the official feed — ready for goAML filing.

Group & microfinance lending

Lending groups with member rosters, group-guarantee semantics, payroll/salary-deduction batches and field-officer cash collection sheets.

Mobile-first borrower PWA

Borrowers apply, pay and track loans from an installable web app — no app-store gatekeeping, with iOS safe-area and offline-friendly design.

No-code product & form builder

Spin up new loan products and KYC application forms without a developer. Interest method, fees, DST, penalties and tenor — all configurable.

Truth-in-Lending disclosures

Every offer ships with an RA 3765 disclosure statement — EIR, total finance charges and amortization — generated automatically, no hidden charges.

Role-based operations

Distinct workspaces for sales, underwriting, approval, treasury, accounting, collections, compliance and management — each scoped to its job.

See it in action

Real screens from a real, running product

Not mockups. Every screen below is live in the LoanOS demo environment today.

Underwriting

Decisions backed by evidence, not gut feel

A focused assessment workspace pulls the borrower, the application, bureau results and a house score into one view — with a document checklist that won't let an incomplete file slip through.

House score with explainable factors
Multi-bureau inquiries, including manual & simulated
KYC document checklist gating approval

LoanOS underwriting assessment workspace with credit bureau scoring

Product configuration

Launch a compliant loan product in minutes

Define interest method, rates, fees, DST, penalties and tenor in a single form. The SEC MC 14 guardrail watches every field so you can't accidentally ship a product that breaks the cap.

Flat or declining-balance interest methods
Penalty, grace-period and DST configuration
Live rate-cap validation against SEC ceilings

LoanOS admin loan product configuration with SEC rate-cap guardrails

Compliance

Examiner-ready, every day

Rate-cap flags, CIC positive/negative reporting, disclosure lookup, AML worklists and a credit-inquiries register — the things a BSP or SEC examiner asks for, already in one place.

AML flags per RA 9160 detection rules
CTR register & STR drafts for goAML
UN sanctions list synced from the official feed

LoanOS compliance module showing AML flags worklist

Borrower experience

An app your borrowers will actually use

A clean, installable PWA where borrowers see their balance, next installment and full repayment ledger — and pay the way they already do, through GCash, Maya or InstaPay.

Apply in minutes with live repayment estimates
Real-time ledger — payments post instantly
Installable to the home screen, no app store

How LoanOS compares

The winning balance of cost and capability

Stacked against the four ways Philippine lenders run their books today.

Capability	LoanOS Purpose-built for PH	Core banking suite (Temenos / FLEXCUBE)	Foreign lending SaaS (global vendors)	Spreadsheets / in-house
SEC MC 14 rate-cap guardrails	● Built-in	✕ Custom build	✕ Not localized	✕ Manual
CIC credit-bureau integration	● Native driver	◑ Add-on	✕ Not supported	✕ None
AMLA / goAML & UN sanctions	● Built-in	◑ Module	◑ Generic	✕ Manual
Truth-in-Lending (RA 3765) disclosures	● Auto-generated	◑ Configurable	✕ Not localized	✕ Manual
BIR DST & PH fee handling	● Configurable	◑ Custom	✕ No	◑ Manual
Group / microfinance & field collection	● Built-in	◑ Limited	◑ Varies	✕ None
GCash / Maya / InstaPay & salary deduction	● Native	◑ Integration project	◑ Custom	✕ Manual
Double-entry GL ledger & audit trail	● Immutable	● Yes	◑ Varies	✕ Error-prone
Mobile-first borrower PWA	● Included	✕ Separate project	◑ Varies	✕ None
Time to go live	● Weeks	✕ 12–24 months	◑ Months	● Immediate*
Source code ownership & white-label	● You own & rebrand it	✕ Vendor-locked	✕ Vendor's product	◑ Files only
Hosting & data residency control	● Your infra, any region	◑ Vendor-defined	✕ Vendor cloud only	◑ Your device
Commercial model	● One-time perpetual licence	✕ Licence + integrator	✕ Recurring per-seat SaaS	◑ Cheap, then costly

● built-in · ◑ partial / requires work · ✕ not available. *Spreadsheets are "free" until the first examination finding, reconciliation error, or growth ceiling. Vendor names are illustrative of each category, not endorsements.

The sweet spot

Maximum capability, minimum overhead

Capability →

Core banking

Foreign SaaS

Spreadsheets

LoanOS

Cost / complexity →

Right-sized for PH lenders

Financing companies, lending companies, cooperatives and fintech lenders get bank-grade controls without a bank-grade budget or headcount.

Live in a quarter, not a saga

Pre-built PH compliance means you configure products and launch — instead of funding a multi-year core-banking integration with a system integrator.

Compliance is the default, not a project

SEC, BSP, AMLC, CIC and Data Privacy obligations are wired into the workflow — so you pass examinations because the system never let you off the rails.

Built to scale with the book

From your first hundred loans to a portfolio with group lending, payroll deduction and field collection — one platform grows with you.

Ownership, not rental

You own your lending platform — source code and all

LoanOS is not SaaS. Under a source-available license you receive a copy of the source code, brand it as your own, deploy it wherever you choose, and keep full control of your data and your roadmap.

The source code is yours

You receive the complete source under a perpetual license. Read every line, audit it, and never be held hostage to a vendor's roadmap or release cadence.

Brand it entirely as your own

White-label from the ground up — your name, logo, colors and domain across the borrower app and staff console. Ship it to market as your product, not ours.

Host it anywhere

Your cloud, your on-prem data center, your region of choice. No mandatory vendor cloud, no per-seat metering, no usage caps that throttle growth.

Your data never leaves your control

Borrower PII and loan records sit in infrastructure you own — making Data Privacy Act (RA 10173) and BSP/SEC data-residency compliance far simpler to demonstrate.

Customize without limits

Modify and extend the platform for your own products and workflows. The code is yours to evolve — by your team or ours — as the business grows.

Perpetual license

A one-time license to the delivered version, yours to run indefinitely. No subscription that can be switched off, no renewal leverage held over you.

Source-available, not open-source. You get the code for your own internal business use, with the right to brand, host, modify and run it in perpetuity. Reselling it or offering it to third parties as a service is reserved. The full terms are short and in plain English.

Read the license terms →

Built for

Whoever you lend to, LoanOS fits

🏢

Financing & lending companies

SEC-registered lenders who need rate-cap compliance and disclosures from day one.

🤝

Cooperatives & MFIs

Group guarantees, weekly cadence and field-officer cash collection, out of the box.

📱

Fintech lenders

A mobile-first borrower app and e-wallet rails to launch a digital product fast.

🏭

Salary & payroll lenders

Employer deduction batches, CSV exports and reconciliation built for payroll lending.

Who builds & delivers LoanOS

Enterprise software pedigree, delivered at AI speed

LoanOS pairs decades of business-critical engineering with an AI-powered delivery model — so you get depth and speed, not a trade-off between them.

B

BlastAsia Inc.

Implementation partner

For 25 years, BlastAsia has built and implemented business-critical software for global enterprises — bringing deep engineering discipline, domain expertise and delivery rigor to every LoanOS deployment.

A quarter-century building global, business-critical systems
Enterprise-grade engineering & delivery practices
Hands-on, local implementation and support

X

Xamun.ai

AI-Powered Software Factory

Xamun is an AI-powered software factory that brings speed and reliability to commercial software delivery at scale — compressing what once took years into months, without sacrificing quality.

AI-accelerated build and delivery
Reliability and quality engineered in at scale
Faster time-to-market for commercial software

See LoanOS run your loan book

Book a 30-minute walkthrough, or jump straight into the live demo environment and click through it yourself.

Book a walkthrough → Open the live demo

The lending platform that moves at the speed of life.