Dashboard Overview
Loan Disbursement Trend
Loan Status Distribution
Recent Loan Applications
| Borrower | Amount | Purpose | Status | Date |
|---|
Recent Activity
Upcoming & Due Loans (Due today & next 3 days)
Overdue Loans — Send Reminders
Portfolio At Risk (PAR)
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Awaiting Contract Signature
Borrower Management
| # | Full Name | Omang No. | Phone | Employer | Active Loans | Risk Level | Status | Actions |
|---|
Unverified Accounts
Loan Management
| Loan Ref | Borrower | Amount | Interest | Term | Monthly | Balance | Status | Actions |
|---|
Repayment System
Pending Payment Proofs
Recent Repayments
| Receipt # | Loan ID | Borrower | Amount Paid | Method | Date | Balance After | Recorded By | Actions |
|---|
Collections & Defaults
| Borrower | Loan ID | Overdue Balance | Days Overdue | Last Contact | Risk Level | Promise Date | Actions |
|---|
Reports & Analytics
Daily Collections
Summary of all collections made today
Loan Disbursement
All loan disbursements by date range
Defaulters Report
List of all defaulting borrowers
Revenue Report
Interest income and fees collected
Loan Aging Report
Loans grouped by aging buckets
Branch Performance
Performance metrics per branch
Balance Sheet
Assets, liabilities and net equity position
Cash Flow Statement
Monthly inflows, outflows and net position
Loan Aging Report
Overdue loans grouped into 30/60/90/120+ day buckets
Monthly Collections
All repayments for a selected month with CSV export
Portal Loan Applications
Review and approve/reject applications submitted by borrowers
Officer Commissions
Track and pay loan officer commissions (7% of approved loan)
Collections vs Disbursements
Messages
Notifications
Appointment Bookings
| Date Booked | Name | Phone | Preferred Date | Loan Type | Message | Status | Actions | |
|---|---|---|---|---|---|---|---|---|
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Investment Partnership Programme
Manage investor accounts, capital deployment & profit distribution
| Investor | Profit Share | Total Invested | Available | Active Loans | Returns | KYC | Status | Actions |
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Staff & Role Management
| Name | Role | Branch | Last Login | Status | Actions |
|---|
System Settings
System Behaviour
Controls how frequently the dashboard auto-refreshes data in the background. Minimum: 30 seconds. Default: 120 seconds.
Business Information
Branding
Color Scheme
Loan Products
Default Loan Settings
Branch Management
Borrower Portal Settings
Payment Methods
Business Banking Details (shown to auction winners)
SMS Settings
Email Settings
IMAP / Webmail Inbox
Configure your incoming mail server so the built-in Webmail can read, reply to, and manage your inbox. Use the same credentials as your email account.
Loan Status Thresholds
These values control when loans automatically change status. Changes take effect on the next cron run.
Automated Reminder Windows
Countdown reminder emails and SMS are sent daily for the configured number of days leading up to each threshold. The system checks the notifications table to avoid duplicate sends.
Borrower Risk Level Bands
Risk levels are recalculated automatically on every cron run based on the worst overdue loan per borrower.
Apply Defaults Now
Click Apply Now to immediately run the overdue and default checks against all active loans — including rescheduled loans — without waiting for the nightly cron job. Save your threshold settings first.
WhatsApp Business API
Connect the Meta WhatsApp Business Cloud API to send messages to borrowers directly from LendBW.
Enable WhatsApp Messaging
Meta Cloud API Credentials
Quick Setup Guide
- Create a Meta App at developers.facebook.com
- Add WhatsApp product to your app
- Copy the Phone Number ID from API Setup
- Generate a permanent System User token in Business Manager
- Paste both values above and save
- Use "Test Send" to verify the connection
Channel-Specific WhatsApp Numbers
Optionally configure a separate WhatsApp Phone Number ID for each portal. Leave blank to fall back to the default number above.
Auction Portal
Website / Public
Investor Portal
Website Content Manager
All content on your public website is managed here. Changes are live immediately after saving.
Site Identity
Website Colours
Penalty Management
| Date Applied | Borrower | Loan Ref | Type | Months Overdue | Balance Before | Penalty (30%) | Balance After | Status | Actions |
|---|
Audit Logs
| Timestamp | User | Action | Module | IP Address | Details |
|---|
Database Backup & Recovery
mysqldump on the server and stores the compressed SQL file in the backups/ folder. Only Super Admins and Admins can create or delete backups. Use the Download link to save a backup locally, or find files in backups/ via cPanel File Manager.
| # | Filename | Size | Created | Actions |
|---|---|---|---|---|
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Collateral & Security Management
| # | Loan Ref | Borrower | Type | Description | Est. Value | Condition | Photos | Verified | Status | Actions |
|---|
Vehicle Custody
| # | Item | Borrower | Loan Ref | Storage Yard | Bay | Check-In | Check-Out | Status | Actions |
|---|
Key Management
| # | Item | Borrower | Loan Ref | Keys | Tag | Storage | Received | Returned | Status | Actions |
|---|
Digital Contracts
| # | Ref | Borrower | Loan Ref | Type | Status | Signatures | Signed At | Expires | Actions |
|---|
Auction Management
| # | Item | Borrower | Start Bid | Current Bid | Ends | Bids | Status | Actions |
|---|
Receipts & Invoices
| # | Invoice No. | Type | Borrower | Loan Ref | Total | Issued At | Actions |
|---|
Banking Details
Client Banking Details
| Ref | Borrower | Bank | Account No. | Branch Code | Status | Actions |
|---|---|---|---|---|---|---|
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Ownership Changes
| Date | Vehicle / Collateral | Reg No. | Borrower | Change Type | New Owner | Transport Dept Ref | Notified | Notes |
|---|---|---|---|---|---|---|---|---|
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Bluebook / Registration Book
| Date | Vehicle / Collateral | Reg No. | Borrower | Collected By | Omang | Phone | Type | Notified | Notes |
|---|---|---|---|---|---|---|---|---|---|
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GPS Tracker Management
| Device ID | IMEI | SIM | Vehicle / Collateral | Borrower | Loan Ref | Install Date | Status | Last Seen | Actions |
|---|---|---|---|---|---|---|---|---|---|
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GPS Tracker Inventory
| Device ID | IMEI | SIM | Brand/Model | Status | Installed On | Borrower | Installed | Actions |
|---|---|---|---|---|---|---|---|---|
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Extra Charges
| Loan Ref | Borrower | Charge Name | Amount | Description / Reason | Added By | Date | |
|---|---|---|---|---|---|---|---|
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GPS Installations
| Date | Vehicle | Reg No. | Borrower | Device ID | Installer | Location | Status | Photos | Actions |
|---|---|---|---|---|---|---|---|---|---|
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Loan Officer Reports
| Officer | Role | Loans Disbursed | Total Disbursed | Active Portfolio | Collected | Defaulted | Commission Rate | Commission Earned | Actions |
|---|---|---|---|---|---|---|---|---|---|
| Select a date range and click Run Report | |||||||||
Loan Contracts
| Contract # | Borrower | Loan Ref | Type | Status | Borrower Signed | Officer Signed | Actions |
|---|---|---|---|---|---|---|---|
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Contract Templates
{{customer_name}}, {{id_number}}, {{loan_amount}}, {{interest_rate}}, {{loan_term}}, {{vehicle_registration}}, {{contract_date}}, {{contract_number}}.
| Template Name | Type | Status | Created | Actions |
|---|---|---|---|---|
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Click Seed to create a pre-filled template based on your CashOnKeys standard agreements. Leave the body blank when creating to auto-populate the default content.