A focused platform that does one thing well
Lendlogix is delivered as software-as-a-service. Each customer is an isolated tenant within a shared, securely partitioned platform — a responsive web application backed by an API and a relational database.
System architecture
| Layer | Responsibility |
|---|---|
| Web application | Secure, role-based interface for lender staff to manage applications, loans and reporting. |
| Application & API layer | Business logic, the configurable decisioning engine, document generation and integrations. |
| Data layer | Encrypted, multi-tenant relational database with strict isolation between customers. |
| Infrastructure | Managed UK/EU cloud hosting with backups, monitoring and access controls. |
Core modules
Configurable online application forms that collect applicant and affordability data in a structured way. Every submission lands as a referenced application with a timestamped audit entry.
Each lender configures its own affordability and credit criteria — minimum income, bureau score floors, debt-to-income and loan-to-income caps, disposable income and employment policy. The engine applies them consistently and records exactly which rules passed, which failed, and why.
Credit agreements and repayment schedules are generated from templates the lender controls, with merge fields for the borrower, terms, rate, instalment and total payable.
Scheduled versus actual repayments, principal and interest split per instalment, fees, and a running balance across the life of each loan.
Missed instalments raise a prioritised case with days-past-due buckets, stages from first contact through arrangement to formal demand, and a full note history.
Loan book value, originations, approval rate, arrears rate and portfolio composition, all derived from the same ledger the operations team works in.
Tenant settings, user and role management, product and template configuration, and an immutable audit trail.
Data model
The platform is organised around a small number of core entities, each kept strictly within the lender's own tenant.
The customer organisation, its configuration, products and templates.
Staff accounts with role-based permissions and full audit logging.
The people or businesses applying, and their submitted and affordability data.
Each application, its decisioning record and current status.
Approved loans, their terms, generated documents and schedules.
The ledger of scheduled and actual payments, fees and balances.