A legit loan app for serious lenders in the Philippines
Run your lending business the legit way. Smapey keeps clean, auditable records of every borrower, loan, and payment — with amortization schedules and a clear repayment history you can stand behind.
Built for professional lenders
Keep your lending business clean and legit
Transparent terms, automatic amortization, and a full payment trail for every loan — so your records are accurate, organized, and ready whenever you need them.
Borrower Profiles
Build a complete borrower database with contact details, ID info, and notes. Every borrower's loan history, total borrowed, and outstanding balance update automatically.
Loan Issuance
Issue a loan in seconds — set the principal, interest rate, term, and start date. The system records everything and links it to the borrower's profile.
Amortization Schedules
Auto-generate a full repayment schedule with due dates and amounts the moment a loan is created. No spreadsheets, no manual math — every installment is laid out for you.
Payment Tracking
Record repayments by Cash, GCash, or Bank Transfer. Handle partial payments, and watch each loan's outstanding balance drop in real time as borrowers pay.
Overdue & Collections
Loans with missed due dates are flagged automatically. See who's late, how much they owe, and how many days overdue — so you can follow up before it becomes a bad debt.
Interest & Fees
Set the interest rate per loan and let the system compute totals and installment amounts. Your terms, applied consistently across every loan you issue.
Loan Lifecycle
Move every loan through a clear status — Active, Fully Paid, or Defaulted. Know exactly where your portfolio stands at any moment, no guesswork.
Lending Analytics
A live dashboard with monthly collections, total outstanding, repayment rate, default rate, and a 6-month collections-vs-disbursed chart — so you always know how your lending business is performing.
How it works
Up and running in four steps
Most lenders issue their first loan and generate their first amortization schedule within 30 minutes.
Add your borrowers
Record each borrower once with their contact info and ID details. Their loan history and balance follow them across every future loan automatically.
Issue a loan
Pick a borrower, set the principal, interest rate, and term — and the amortization schedule generates itself with every due date and amount.
Track repayments
Log each payment by Cash, GCash, or Bank Transfer. Partial payments are supported and the outstanding balance updates instantly.
Monitor collections
Spot overdue loans, follow up on collections, and watch your monthly collections, repayment rate, and outstanding balance in real time.
Compare plans
Free vs. paid plans
Start free and upgrade only when your loan book grows.
| Feature | Free | Pro …/mo | Enterprise …/mo |
|---|---|---|---|
| Borrowers | … | … | … |
| Active loans | … | … | … |
| Team users | … | … | … |
| Amortization schedules | |||
| Payment tracking (Cash / GCash / Bank) | |||
| Overdue & collections tracking | |||
| Analytics dashboard | |||
| Priority support |
Pricing
Start free. Upgrade when you grow.
The free plan stays free forever.
FAQ
Common questions
Lend with clean, legit records
Free forever for small lenders. No card, no trial. Bring order and transparency to your loan book in minutes.
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