Frappe Lending
- 1Runs onAPI, self-hosted, Web
- 2CostsFree plan · free trial · paid from $5/mo
- 3Deploymentboth
- 4Interest calculationboth
- 5Payment schedulingYes
- 6API accessYes
- 7Loan types supportedhome loans; business credit; consumer loans; term loans; line of credit
Overview
Frappe Lending is an open-source loan management system for financial institutions, NBFCs, and lenders. It covers loan origination, disbursements, repayments, and accounting, with support for home loans, business credit, consumer loans, term loans, and lines of credit. Users can define products with interest rates and repayment schedules, and track related collateral, guarantees, and securities. Described risk and compliance capabilities include days-past-due tracking, non-performing asset classification, and regulatory reporting. Integrated ledgers, invoicing, and tax handling are also included. Co-lending, loan transfers, custom workflows, and role-based permissions are supported. Frappe describes the system as customizable and API-first, with end-to-end REST API compatibility. Self-hosting is free under GPL-3.0. Frappe Cloud Sites cost $5.00 USD per month, billed onwards, with managed upgrades and backups on shared servers and no per-user pricing. Cloud access has a 14-day trial; a Frappe Cloud plan is required to continue afterward.
Who it is for
It is designed for financial institutions, NBFCs, and lenders managing loan operations. The listed REST API compatibility and workflow controls may suit teams connecting applications or defining role-specific processes.
What is good
- Covers origination through repayment and accounting
- Tracks collateral, guarantees, and securities
- Supports co-lending and loan transfers
- Free self-hosted option under GPL-3.0
What to know first
- Cloud continuation requires a Frappe Cloud plan
- Functional support is excluded from Product Warranty
Verdict
Frappe Lending brings loan operations, accounting, and risk-related processes into one system. The free self-hosted option and paid cloud service have different deployment and continuation terms.
Frappe Lending plans and pricing
All plansCompared on loan management software
Facts
- Purpose
- Frappe Lending is an open-source loan management system that automates the lending lifecycle from origination to closure.docs.frappe.io · 28 Sept 2026
- Who it serves
- The product is designed for financial institutions, NBFCs, and lenders.docs.frappe.io · 28 Sept 2026
- Loan operations
- It supports loan origination, disbursements, repayments, and accounting in one system.frappe.io · 28 Sept 2026
- Loan products
- Users can define loan products with attributes such as interest rates and repayment schedule types.docs.frappe.io · 28 Sept 2026
- Collateral
- The product includes tools to track collaterals, guarantees, and securities linked to loans.frappe.io · 28 Sept 2026
- Risk and compliance
- The product describes automated days-past-due tracking, non-performing asset classification, and regulatory reporting.frappe.io · 28 Sept 2026
- Accounting and tax
- Frappe Lending describes integrated ledgers, invoicing, and tax handling as built-in capabilities.frappe.io · 28 Sept 2026
- Co-lending
- The product includes co-lending and loan transfer capabilities.frappe.io · 28 Sept 2026
- API and customization
- The product is described as API-first and customizable, and the documentation says it is end-to-end REST API compatible.docs.frappe.io · 28 Sept 2026
- Access controls
- Frappe Lending supports custom workflows and role-based permissions.frappe.io · 28 Sept 2026
- Integrations
- A Zerodha testimonial says its team connected customer-facing apps using Frappe REST APIs.frappe.io · 28 Sept 2026
- Support
- Frappe says its engineers handle bug-fix support through support portal tickets, while functional support is excluded from Product Warranty.frappe.io · 28 Sept 2026
- Implementation
- Frappe recommends contacting an official partner for consultation and implementation support.frappe.io · 28 Sept 2026
- Trial
- The pricing page says Frappe Cloud provides 14 days of free access to Frappe Lending, after which a Frappe Cloud plan is required to continue using the site.frappe.io · 28 Sept 2026
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Sources
- docs.frappe.io/lending/introduction· checked 28 Sept 2026
- frappe.io/lending· checked 28 Sept 2026
- docs.frappe.io/lending/loan-product· checked 28 Sept 2026
- frappe.io/lending/pricing· checked 28 Sept 2026