The Lending Module, explained simply.
How wholesale loans, sub-agents, and real-time bookkeeping work together — in plain English, no accounting background required.
The big picture
The Lending Module is built for lenders who disburse loans to borrowers and collect repayments with interest — on a real-time accounting system running quietly underneath.
Every loan disbursed, payment collected, or fee deducted automatically updates a general ledger behind the scenes. You don't need to know accounting to use it — the system does it for you.
Master Plan vs. Standalone Lending
You can subscribe to LedgerIQ Suite in two ways — with full Accounting, or Lending on its own.
| Feature | Master Plan (Lending + Accounting) | Standalone (Lending Only) |
|---|---|---|
| Lending features | Borrower directories, loan calculator, payment collections | Borrower directories, loan calculator, payment collections |
| Sub-Agent network | Yes — invite sub-agents and track their portfolios | Yes — invite sub-agents and track their portfolios |
| Accounting menu | Visible — manual journal entries, full Chart of Accounts, financial statements | Hidden — no manual entries, custom accounts, or bookkeeping screens |
| Under-the-hood ledger | Runs in real time | Runs in real time, silently, behind the scenes |
| Upgrade path | Already included | Frictionless — upgrading instantly unlocks your full historical ledger reports |
Growing your lending business through sub-agents
Primary Lenders can recruit Sub-Agents to expand their reach. Sub-agents run their own independent workspaces under your referral.
Send an invite link
Go to the Sub-Agents tab in your Lending workspace, copy the Invite Link, and send it to your sub-agent. They click the link, confirm your invitation, register their account, and get their own workspace.
Disburse their starting capital
Add the sub-agent as a borrower in your Borrower Directory using their registered email, then open Active Loans → New Application. Select them, set the loan amount (e.g. ₱50,000) and interest product, then click Disburse.
The magic: the system debits your cash and records an active loan — and at the same time, credits the sub-agent's local ledger, placing ₱50,000 straight into their Available Capital dashboard card.
They lend it forward
The sub-agent uses that capital to disburse smaller loans to their own local borrowers. As they lend, their Available Capital goes down and their active portfolio grows — all visible to you in real time from your Sub-Agents dashboard.
Frequently asked questions
What if a Sub-Agent runs out of cash?
If their Available Capital drops to zero, they can't physically disburse more loans. They'll ask you for additional funding — you create and disburse a new loan application to their borrower profile, and their available cash refills automatically.
If a Sub-Agent's Available Capital is zero, is the "New Application" button disabled?
No. The system never locks the button. This lets the sub-agent record retroactive transactions or use external funding sources. Instead, their Available Capital simply goes negative (e.g. −₱5,000) — a warning that they need refunding.
What if a borrower or sub-agent is late on a payment?
The system tracks installments by due date. A missed payment changes the loan's status to OVERDUE, and the amount is added to the Portfolio at Risk (PAR) metric on your overview screen.
Can a Sub-Agent invite their own sub-agents?
Yes. If Sub-Agent A invites Sub-Agent B, they're linked in a multi-level chain — Sub-Agent A sees Sub-Agent B on their dashboard, while you see Sub-Agent A. Cash flow and reporting stay isolated per level.
What happens if I "Disconnect" a Sub-Agent?
Their workspace unlinks from your network and disappears from your Sub-Agents tab — but the debt isn't erased. The outstanding wholesale loan stays active in your Active Loans tab, and they remain recorded as a borrower you can keep collecting from.
Without the Accounting Module, how does the system track our cash balances?
Even on a Standalone Lending subscription, every workspace runs a default Chart of Accounts silently in the background. The Lending module automatically registers debits and credits as transactions are processed.
Getting started
- Configure products — set up interest rates (flat or declining), terms, and service fees under Loan Products.
- Add borrowers — record contact information, addresses, and co-maker details in the Borrower Directory.
- Disburse loans — use the New Application form to release funds and generate amortization schedules.
- Record collections — click Accept Payment to post installment receipts.
- Build your network — invite sub-agents to scale your lending reach and monitor them in the Sub-Agents tab.