Dashboard Overview
0
Total Borrowers
+12 this month
0
Active Loans
+5 this month
0
Total Disbursed (BWP)
+8.3%
0
Overdue Loans
-2 from last month
0
Repayment Rate
+1.2%
0
Revenue This Month
+11.5%
Loan Disbursement Trend
Disbursed
Repaid
Loan Status Distribution
Recent Loan Applications
| Borrower | Amount | Purpose | Status | Date |
|---|
Recent Activity
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
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Loan Management
| Loan Ref | Borrower | Amount | Interest | Term | Monthly | Balance | Status | Actions |
|---|
Repayment System
—Collected Today
—This Month
—Payments Today
—Overdue Balance
Pending Payment Proofs
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Recent Repayments
| Receipt # | Loan ID | Borrower | Amount Paid | Method | Date | Balance After | Recorded By | Actions |
|---|
Collections & Defaults
Good Standing
Warning (1-30 days)
High Risk (31-60 days)
Defaulted (61-90 days)
Blacklisted (90+ days)
| 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
Collections vs Disbursements (12 Months)
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Messages
Notifications
PushActive
SMSActive
EmailActive
WhatsAppSetup Needed
Staff & Role Management
| Name | Role | Branch | Last Login | Status | Actions |
|---|
System Settings
Business Information
Branding
or paste a URL below
Dark Mode
Color Scheme
Loan Products
Default Loan Settings
Require Collateral by Default
Require Guarantor by Default
Important — Changes apply to NEW loans only
Updating these interest rate and loan settings will only affect new loans created after saving.
All existing active loans retain their original terms and interest rates. Existing repayment schedules will not be modified.
To adjust an existing loan's term, use the Reduce Term tool on the individual loan detail.
Branch Management
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Borrower Portal Settings
Portal Enabled
Website Landing Page (index.php must be on server)
If ON, root URL shows the marketing website. If OFF, shows the borrower portal.
Self-Registration Allowed
Payment Methods
Orange Money
Bank Transfer
Cash
M-Pesa (if applicable)
SMS Settings
Enable SMS
Overdue Alerts
Email Settings
Enable Email
WhatsApp Business API
Connect the Meta WhatsApp Business Cloud API to send messages to borrowers directly from LendBW.
Setup Required
Enable WhatsApp Messaging
Enable WhatsApp
The WhatsApp number shown to your borrowers.
Meta Cloud API Credentials
Get these from Meta for Developers → Your App → WhatsApp → API Setup.
Found in WhatsApp → API Setup section.
Create a System User token in Business Manager for production use.
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
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 |
|---|
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 |
|---|
Debit Order Management
Debit Mandates
| Mandate Ref | Borrower | Bank | Account | Debit Day | Monthly Amt | Next Collection | 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 Inventory
| Device ID | IMEI | SIM | Brand/Model | Status | Installed On | Borrower | Installed | Actions |
|---|---|---|---|---|---|---|---|---|
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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 |
|---|---|---|---|---|---|---|---|
| Loading… | |||||||
Contract Templates
Pawn & Park and Pawn & Drive templates are pre-loaded from CashOnKeys standard agreements. You can edit them or create custom templates. Supported placeholders:
{{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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QUICK SEED TEMPLATES
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.