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Lending Software Cost Calculator

Get a Cost Estimate for Your Custom Lending Software

Want to know how much your custom lending solution will cost? Please answer a few questions about your needs to help our experts calculate your quote quicker.

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*What type(s) of loans should your lending solution support? Select all that apply.

Consumer loans

Commercial loans

Mortgage loans

Student loans

Auto loans

Specialty loans

Peer-to-peer (P2P) loans

Buy Now, Pay Later (BNPL)

Crypto loans

Trade financing

Credit-based loans

*What best describes your situation?

We need lending software for internal use (workflow automation, customer self-service)

We're developing a lending software product / online service for commercial distribution

*What is the expected number of software users?

1–10

10–100

100–500

500–1,000

1,000–5,000

5,000–10,000

10,000–100,000

Over 100,000

Are you going to sell your software to:

Individual users Organizations Both

*How many individuals will use your software, approximately?

Up to 100

100–500

500–1,000

1,000–5,000

5,000–10,000

10,000–50,000

50,000–100,000

Over 100,000

*How many organizations are you planning to target, approximately?

Up to 100

100–1,000

1,000–10,000

10,000–100,000

Over 100,000

*How many end users (individuals from all organizations) will use your software, approximately?

Up to 100

100–1,000

1,000–10,000

10,000–100,000

100,000–1,000,000

Over 1,000,000

How many organizations are you planning to target, approximately?

Up to 100

100–1,000

1,000–10,000

10,000–100,000

Over 100,000

*How many end users (both corporate and individual users) will use your software, approximately?

Up to 100

100–1,000

1,000–10,000

10,000–100,000

100,000–1,000,000

Over 1,000,000

*What functional modules and components should your lending solution include? Select all that apply.

Loan application processing

Loan origination

Loan servicing

Debt collection

Loan pricing

Limit and collateral management

Loan portfolio management

Lending document management

Lending fraud detection

Lending compliance management

Lending analytics

Borrower self-service

P2P lending

Blockchain-based lending

AI-powered assistance

*What loan application processing features should your solution provide? Select all that apply.

Automated capture of digital loan applications

Intelligent data extraction from borrower documents

Borrower KYC verification and due diligence

Credit risk modeling and what-if analysis

Automated collateral valuation

Rule-based borrower risk scoring and loan underwriting

AI-driven borrower risk profiling and credit decisioning

Straight-through processing of low-risk applications

Automated generation of loan documents

Scheduled funds disbursement

Intelligent lending and borrower analytics

ML-supported lending fraud detection

Automated regulatory reporting

*What loan origination features should your solution provide? Select all that apply.

Automated processing of loan applications

Borrower KYC verification and due diligence

Rule-based borrower risk scoring

AI-supported borrower risk profiling

Credit risk modeling and what-if analysis

Rule-based collateral valuation

Risk-based loan pricing

Rule-based loan application approval

AI-supported credit decisioning

Intelligent suggestions on optimal loan terms

Automated generation of loan agreements

Scheduled funds disbursement

Loan origination analytics

ML-supported lending fraud detection

Automated regulatory reporting

*What loan servicing features should your solution provide? Select all that apply.

Automated loan amortization scheduling

Automated borrower billing

Borrower payment processing and reconciliation

Real-time loan repayment control

ML-powered delinquency and default prediction

Rule-based scoping of debts to collect

AI-supported debt collection planning

Template-based creation of debt collection notifications

Creating textual and voice collection messages using GenAI

Automated distribution of collection notifications

Intelligent capture and processing of debtor responses

Loan portfolio management and trading automation

Interactive dashboards with chosen loan servicing metrics

Intelligent suggestions on servicing workflow optimization

Loan servicing compliance monitoring

*What debt collection automation features should your solution provide? Select all that apply.

Rule-based scoping of debts to collect

Data-driven, proactive identification of emerging debts

Debt collection strategy modeling and what-if analysis

ML-powered forecasting of debt collection efficiency

Intelligent suggestions on personalized debt collection strategies

Automated debt collection scheduling

Template-based creation of debt collection notifications

Creating textual and voice collection messages using generative AI

Automated distribution of collection notifications

Intelligent capture and processing of debtor responses

Debt collection performance tracking and analysis

Automated workflows for debt enforcement

Debt collection compliance monitoring

*What loan pricing features should your solution provide? Select all that apply.

Setting up and tracking baseline loan prices

Automated aggregation of price-relevant data

Criteria-based loan price modeling

Intelligent predictive analytics for price profitability assessment

Automated price calculations (principal, interest/APR, down payment, etc.)

Automated price updating across connected systems

Monitoring market-available loan prices

Loan price benchmarking

AI-powered loan price optimization

Audit trail of price changing activities

Price-related fraud detection

Automated monitoring of pricing compliance

Loan price disclosure reporting

*What limit and collateral management features should your solution provide? Select all that apply.

Segment-specific loan limit assignment

AI-powered suggestions on personalized loan limits

Real-time credit utilization control

Auto-spotting of limit non-compliance and overrun

Automated retrieval and entry of collateral details

Automated collateral profiling and categorization

Rule-based collateral valuation

AI-supported collateral valuation

Automated collateral approval

Collateral document and report generation

Real-time monitoring of collateral risks

Collateral portfolio performance tracking

Intelligent optimization of collateral portfolios

*What loan portfolio management features should your solution provide? Select all that apply.

Real-time portfolio performance monitoring

Dynamic portfolio segmentation and clustering

Profitability and yield analytics

Credit risk and exposure analytics

Collateral and concentration risk tracking

Stress testing and scenario simulation

Statistical delinquency and default predictions

AI-supported portfolio risk forecasting

Portfolio optimization using AI/ML

Automated loan trading operations

Automated anomaly and trend detection

Role-specific dashboards and notifications

Compliance monitoring and reporting

*What lending document management features should your solution provide? Select all that apply.

Customizable lending document templates

Automated lending document generation

Creating non-standard documents using generative AI

Automated document checks (e.g., for correctness, completeness)

Automated document approval and tracking workflows

Collaborative document creation and review

Optical character recognition for physical documents

Automated processing of digital borrower documents

Intelligent image analysis for content capture and validation

Document versioning

Document indexing (with tags, metadata)

Smart document search

Audit trails

*What types of lending fraud should your solution be able to recognize? Select all that apply.

Borrower identity theft

Borrower income falsification

Borrower employment misrepresentation

Borrower occupancy fraud

Collateral overvaluation

Straw borrower schemes

Unauthorized loan approvals

Ghost loan creation

Internal lending record tampering

Lending document forgery

Employee account takeover and misuse

Bribery and kickbacks

Misappropriation of payments

Lender collusions with borrowers

Insider information abuse

*What lending compliance management features should your solution provide? Select all that apply.

Policy and procedure management

Monitoring compliance with the lender’s policies

Regulatory compliance monitoring (ECOA, TRID, CECL, etc.)

KYC/AML workflow automation

Borrower sanctions screening

Employee training and certification tracking

Real-time alerts for non-compliance

Fraud detection and prevention

Investigation management

Regulatory change management

Customizable compliance dashboards

Compliance analytics

Automated compliance reporting

*What type of lending analytics should your solution provide?

Customer analytics

Underwriting analytics

Loan servicing analytics

Loan portfolio performance analytics

Loan portfolio risk analytics

Collateral analytics

Lending team performance analytics

Loan pricing analytics

Corporate finance analytics

Compliance analytics

Credit market analytics

Fraud analytics

*What are the supposed data sources for your analytics solution? Check all that apply.

Loan management system

CRM

Accounting software

Loan origination software

Loan servicing software

Debt collection software

Collateral management software

Loan pricing software

Compliance monitoring system

Fraud detection software

Customer-facing apps

Credit rating platforms

Financial data marketplaces

Payment gateways

We’ll require your advice on integrations

*How promptly should changes in source data be reflected in your solution?

If you have different latency requirements for different data types, feel free to check several boxes.

>24 h

4–24 h

1–4 h

15 min – 1 h

5–15 min

1–5 min

1–60 sec

<1 sec

Not sure

*What borrower self-service features should your solution provide? Select all that apply.

Account management for borrowers

Loan price estimation via an interactive calculator

Personalized loan recommendations

Loan application creation and submission

Application status tracking

E-signing loan documents

Monitoring loans and amortization schedules

Loan repayment via chosen payment methods

Viewing lending documents and reports

Voice navigation

Live chat with lending and support teams

AI-powered chatbot for borrower support

Biometric authentication

*What borrower-side features should your P2P lending solution provide? Select all that apply.

Account management

Uploading and updating documents

Criteria-based loan offer search and comparison

Loan price estimation via an interactive calculator

Personalized loan recommendations

Loan application creation and submission

Application status tracking

Monitoring loans and amortization schedules

Loan repayment via chosen payment methods

Credit profile score tracking

Live chat with lenders and platform support teams

AI-powered chatbot for borrower support

Biometric authentication

*What lender-side features should your P2P lending solution cover? Select all that apply.

Overview of borrower profiles and credit ratings

Template-based creation of loan offerings

Automated processing of loan applications

Straight-through application approval

Loan agreement management

Loan repayment scheduling

Automated borrower billing

Income, interest, and repayment tracking

Statistical loan performance analytics

AI-powered predictive risk analytics

Borrower communication and updates

Withdrawal and reinvestment management

Access to secondary market for loan resale

AI-assisted optimization of loan offerings

Loan reporting tools

*What automation and admin features do you need? Select all that apply.

Automated KYC/AML checks for platform users

Rule-based borrower credit scoring

AI-supported borrower risk profiling

Criteria-based borrower-lender matching

Smart matching and personalized opportunity insights

Automated processing of loan-related payments

Automatically charging platform service fees

Automated monitoring of lending activities

Role-based access control

Intelligent fraud detection

Dispute resolution and escalation management

Compliance tracking and reporting

AI-supported platform analytics

*What blockchain-based lending solution(s) do you want to develop?

Blockchain-based lending automation software: underwriting, debt collection, etc.

Borrower-facing dApp: for loan application, debt repayment, etc.

Blockchain-based P2P lending platform

Loan tokenization and tokenized loan management solution

Multi-party blockchain network, e.g., for loan secondary trading

Smart contracts to automate particular lending operations

Crypto lending API

Solutions for integrating blockchain and traditional lending systems

*What AI-powered virtual assistant features should your solution provide? Select all that apply.

24/7 borrower support

Personalized lending advice

Communication of loan data to borrowers

Virtual assistance for lending teams

Voice-assisted loan processing

Communication of loan portfolio data to lenders

Autonomous execution of lending tasks

Smart data search

Notifications and reminders

Real-time fraud detection alerts

All of the listed

*What level of analytics should your lending solution provide?

Basic descriptive analytics only (calculation of historical metrics)

Statistical diagnostic and predictive analytics, rule-based optimization

AI-supported diagnostics, root cause analysis, and forecasting

Intelligent prescriptive analytics for tactical and strategic optimization

Complex reports (e.g., syndicated/structured loan reports, local e-filings)

Not sure, I need your advice

*Which platform(s) do you plan to support, or want a cost estimate for?

Web (available via browser)

Mobile

Desktop (installed on users' PCs)

*For which software version(s) do you need a cost estimate?

A full-featured version

MVP (a lean usable version with core features)

PoC (to validate idea feasibility)

*Do you have any preferences for the deployment model?

On-premises

Cloud

Hybrid (cloud + on-premises)

Not sure

Do you need to migrate data from legacy software?

Yes No Maybe

*Would you require any integrations?

With other corporate systems, external data sources (e.g., credit rating platforms, alternative risk data sources), third-party services (payment processing, user authentication, messaging), etc.

No, I wouldn't

Yes, multiple

Not sure, I need your advice

*Do you have any tech stack preferences?

Particular programming languages, software platforms, cloud services, etc.

Not sure, I need your advice

Are there any compliance requirements for your planned solution? Select all that apply.

No requirements

AML/KYC

FCBA/FCRA

ECOA

TRID

HDMA

NYDFS

CCPA

GDPR

SAMA

PCI DSS

SOC1 / SOC2

Basel III

Solvency II

Not sure, I need your advice

Anything else you’d like to add? (optional)

Your contact data

*Full name

*Company name

*Work email

Phone number

Preferred way of communication:

Any Email Phone

We will not share your information with third parties or use it in marketing campaigns. Check our Privacy Policy for more details.

Thank you for your request!

We will analyze your case and get back to you within a business day to share a ballpark estimate.

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