CreditSea - Loan Management System

About

CreditSea LMS is a production-ready, full-stack Loan Management System (LMS) designed for fintech startups, NBFCs, micro-lenders, or developers looking for a complete lending platform boilerplate.The system handles the entire loan lifecycle—from multi-step borrower eligibility checks and automated underwriting to disbursement release and UTR-verified repayment collections.Key Modules & Features:• Borrower Portal: Multi-step loan application flow with real-time eligibility calculator, document upload (salary slips), and live loan status tracking.• Business Rules Engine (BRE): Server-side validation engine checking age limits, minimum income, employment status, and PAN format before loan approval.• Multi-Role Back-Office Operations: - Admin Dashboard: System-wide metrics, overall loan volume, active applications, and status counts. - Sales Desk: Lead recovery module to track drop-offs and tele-call BRE-failed applicants. - Sanction Desk: Operational underwriting portal to review applicant documents, approve requests, or reject with custom feedback. - Disbursement Hub: Financial release control room for verified loan disbursement. - Collection Cell: Payment ledger with UTR uniqueness validation, real-time balance reconciliation, and automatic loan closure upon full settlement.• End-to-End State Machine: Robust lifecycle transition pipeline (`DRAFT` → `BRE_PASSED` → `DOCUMENTS_UPLOADED` → `APPLIED` → `SANCTIONED` / `REJECTED` → `DISBURSED` → `CLOSED`).• Built-in Database Seeder: Includes pre-configured demo roles and credentials for instant local testing and demonstration.