Borrower Account & KYC
Borrowers register first, complete profile details, upload valid ID, and submit required information before applying.
₱
Transparent Lending Portal
Apply, track, pay, and build your borrower record clearly.
LendoraPH is built for responsible micro-lending with borrower accounts, KYC profile, credit line tracking, admin approval, loan release, payment schedules, payment proof review, ledger/SOA, rewards points, and clear penalty computation.
Account-Based Application
Every loan request is connected to a borrower profile and KYC record.
Trackable Payments
Borrowers can view schedules, submit payment proof, and monitor history.
Borrower Dashboard Preview
₱3,000
Starting loanable amount subject to approval
Payment progress and ledger tracking
Credit Line
Loanable Amount
Payment
Pay Now + Proof
Rewards
Early Points
Penalty
No Grace Period
Borrowers see their payment schedule, remaining balance, early/late days,
penalty, and SOA/ledger in the portal.
Verification
Admin Review
Funding Side
Private Access
Credit Line
Loanable amount adjusts with active balance and borrower record
Payment Schedule
Installments, due dates, balances, and status are trackable
Rewards Points
Early payment can earn borrower points
Clear Penalties
0.15% daily penalty starts after due date, no grace period
Complete Lending Flow
Public website aligned with the real system.
LendoraPH is no longer just a loan landing page. It now reflects a full borrower-to-admin workflow: account creation, KYC, application, approval, release, payment, proof review, ledger, points, and penalties.
Loanable Amount
The system checks credit line availability, minimum amount, borrower level, and active loan balance.
Admin Approval Center
Admin reviews applications, computes approved amount, term, interest, processing fee, net release, and total payable.
Loan Release
Approved loans move to release, where disbursement date, method, reference, and notes are recorded.
Payment Schedule
After release, the borrower sees installment due dates, amount due, paid amount, balance, and payment status.
Pay Now + Proof Upload
Borrowers can submit cash, GCash, Maya, bank transfer, or other payment details with proof for admin verification.
Ledger / SOA
Borrowers can view a clear ledger with principal, interest, total payable, payments, remaining balance, and history.
Rewards & Penalties
Early payments can earn points, while overdue balances show no-grace penalty computation transparently.
Borrower Journey
From application to successful payment record.
The borrower journey is designed to be organized, trackable, and transparent at every step.
01
Create Account
Borrower creates an account and secures portal access before submitting any application.
02
Complete KYC
Profile, contact, address, income, reference, and valid ID details support responsible review.
03
Apply Within Limit
Borrowers apply based on available credit line, minimum loan amount, and allowed term options.
04
Review & Approval
Admin reviews repayment capacity, risk, application details, and funding availability.
05
Loan Release
Released loans generate a payment schedule and become visible in the borrower portal.
06
Pay & Track
Borrowers submit payment proof, track approval, view history, and build their borrower record.
Borrower Portal Features
Everything important is visible in one place.
The borrower portal is designed to reduce confusion by showing the details that borrowers usually ask for.
My Loan Dashboard
Active Loan
Available to Apply
₱0.00
Total Balance
₱1,050.00
Points
30.33
Next Due
Sep 10
Installment 1
Paid
Installment 2
Paid
Installment 3
Pay Now
Transparent Details
Borrowers can see what they owe, what they paid, and what comes next.
The system supports payment schedules, Pay Now submission, proof upload, payment proof review, early/late day tracking, borrower points, and no-grace penalty display.
Payment schedule
Payment proof upload
Admin verification
Payment history
Ledger / SOA
Early payment points
Overdue penalty display
Fully paid tracking
Responsible Lending
Clear terms before release. Clear tracking after release.
LendoraPH is built to avoid careless lending. Applications are reviewed before approval, payment schedules are generated after release, and borrowers can monitor their obligations online.
Term-based computation
Interest, processing fee, net release, total payable, and payment amount are computed before release.
No-grace penalty transparency
If an installment becomes overdue, penalty starts immediately after due date and is visible to the borrower.
Proof-based payment review
Borrower payments are submitted for review and only update records after admin approval.
Funding Partner Side
Private, documented, and monitored funding participation.
LendoraPH can support eligible funding partners through a controlled funding model with portfolio monitoring, payment distribution, and responsible risk disclosure. Funding partner access is private and not open public registration.
For qualified borrowers who need clear loan access.
Borrowers apply through the portal and monitor application status, approved terms, payment schedules, Pay Now submissions, points, penalties, and ledger records.
- Borrower account and KYC profile
- Credit line and loanable amount
- Payment schedule and proof upload
- Ledger / SOA and payment history
For eligible partners under private review.
Funding participation should be reviewed privately with proper documentation, risk disclosure, capital tracking, and no guaranteed-return promise.
- Private eligibility-based access
- Capital and funding pool monitoring
- Investor and company profit distribution
- Risk disclosure and documentation
Common Questions
Simple answers before using LendoraPH.
These public FAQs explain the borrower portal and help set clear expectations before account creation.
Do I need an account before applying?
Yes. Borrowers must create an account and complete their borrower profile before submitting a loan application.
Is loan approval guaranteed?
No. Approval depends on verification, repayment capacity, borrower record, funding availability, and responsible lending review.
Can I track my payment schedule?
Yes. After loan release, borrowers can view installment due dates, amounts due, balances, payment status, and payment history.
How does Pay Now work?
Borrowers submit payment details and proof. The payment is marked for review until admin verifies and approves it.
Is there a grace period for penalties?
No. If an installment is paid after the due date, the penalty starts immediately after the due date based on the overdue balance and days delayed.
Can anyone become a funding partner?
No. Funding partner access is private, eligibility-based, and subject to documentation, risk disclosure, and applicable requirements.
Ready to begin?
Create your borrower account and apply inside the portal.
Start with a borrower account, complete your profile, and submit your loan application for responsible review.