AllCloud Loan Management System vs Frappe Lending
AllCloud Loan Management System
allcloud.in
Frappe Lending
frappe.ioSide by side
| Figure | AllCloud Loan Management System | Frappe Lending |
|---|---|---|
| Price from | — | $5/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | Yes |
| Web | Yes | Yes |
| iOS | Yes | — |
| Android | Yes | — |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 0 | 5 |
| Spec score · Loan Management Software | 7.7 (#10) | 9.0 (#2) |
| Integrations | The LMS uses an API-first architecture and can integrate with mobile apps, customer portals, and other interfaces. | The eKYC India app provides two-way Digio integration for Aadhaar identity checks, electronic signatures and webhook status updates. |
| Loan products | It supports multiple loan products, including auto, business and MSME, personal, microfinance, and gold loans, on one platform. | Administrators can define multiple loan products with configurable categories, rates, terms, fees, repayment rules and moratoriums. |
| Purpose | The loan management system handles post-disbursement repayments, collections, accounting, and compliance for banks, NBFCs, MFIs, and digital lenders. | Frappe Lending is an open-source loan management system that automates the lending lifecycle from origination to closure. |
| Support | AllCloud says it provides structured onboarding, role-based training, and ongoing support for LMS users. | Frappe says its engineers handle bug-fix support through support portal tickets, while functional support is excluded from Product Warranty. |
Plans
Frappe Lending
- Self-hostFree
- Self-hostedFree
- Frappe Cloud Sites$5 a month
- Frappe Cloud Servers - Hetzner$20 a month
- Frappe Cloud Servers - Dedicated$60 a month
In their own words
AllCloud Loan Management System
AllCloud Loan Management System manages post-disbursement repayments, collections, accounting, and compliance for banks, NBFCs, MFIs, and digital lenders. Its servicing capabilities include EMI and interest calculations, repayment schedules, overdue tracking, collections, recovery workflows, accounting, and reconciliation. The system supports auto, business, MSME, personal, microfinance, gold, home, EV, and loan-against-property products on one platform. Lenders can handle amendments, part-prepayments, foreclosures, restructures, closures, and recalculations. It provides centralized loan and collateral document management, account statements, certificates, and reporting tools. Borrower alerts can be sent by SMS, WhatsApp, email, or app notifications, and the API-first architecture can connect to mobile apps and customer portals. AllCloud describes the system as multi-tenant SaaS, with dedicated deployment as an option. The vendor says it maintains RBI-aligned audit trails, transaction logs, compliance MIS, and CIC and regulatory reporting support. Pricing is on request.
Frappe Lending
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 a 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.