Loan management, built for how you lend.
Peaking Account is a multi-tenant loan management platform for microfinance institutions, in-house company lending, marketplace lenders, and bank-grade lending-as-a-service — from signup to a fully reconciled ledger.
Business models
However you lend, one platform fits.
Microfinance & lending companies
Originate, disburse, and collect on loans funded from your own capital, with a full repayment ledger from day one.
In-house company loans
Give employees a self-service way to request and repay staff loans and salary advances, tied to your organization.
P2P / marketplace lending
Bring investors and borrowers onto one platform, with roles and workflows built for a marketplace model.
Bank / NBFI lending-as-a-service
Enterprise-grade tenancy and compliance controls for banks and NBFIs offering lending as a service.
Platform
Everything the loan lifecycle needs.
Guided organization setup
A signup and setup wizard captures compliance, lending-profile, and branding details scoped to your business model.
Role-based access control
Org Admin, Loan Officer, Borrower, Investor/Lender, Employee, and Platform Admin roles, enabled per organization type.
Configurable loan products
Define interest type, term, fees, and eligibility rules per product — no code changes required.
Application & approval workflow
Borrowers submit applications against your products; loan officers review and decide, with every step logged.
Disbursement, repayment & ledger
An amortization engine and running ledger keep balances, accrued interest, and penalties reconciled.
Audit logging, built in
Every account and loan action is recorded, so you can answer who did what, and when, from day one.
How it works
From signup to a reconciled ledger.
- 01
Choose your business model
Sign up and select how you lend. The platform enables the right roles, fields, and workflows for that model.
- 02
Configure your loan products
Set interest type, term, fees, and eligibility rules once — every application is checked against them.
- 03
Run the full loan lifecycle
Applications, approvals, disbursement, and repayment all flow into one reconciled ledger.
Ready to set up your organization?
Create an account and complete setup in minutes.