Lendora Loan Platform documentation

01

What you get#

Applications to repayment

Borrower applications, approvals, repayment schedules and collections in one place.

Transparent scorecard

Staff see why an application scores the way it does, with your own approve and decline thresholds.

Eight payment providers

Stripe, PayPal, Paystack, Flutterwave, Razorpay, Mollie, Square and Mercado Pago. A payment is applied only when the provider confirms it.

Security centre

Two-factor sign-in, staff network allow-list, idle sign-out, new-device alerts, session list and an audit log.

The package also includes an optional AI desk that works with the provider you choose. It never decides numbers: balances are computed in PHP from the ledger.

02

Requirements#

Item	Needed
PHP	8.3 or newer with the usual extensions (the installer checks them)
Database	MySQL 5.7+ or MariaDB 10.6+ (SQLite works for trials)
Other	HTTPS and one cron job

03

Install#

Create an empty MySQL database
In cPanel, MySQL Databases: create the database and a user, and give the user All Privileges.
Upload the Script folder
Upload the contents of the Script folder to the folder your domain points at.
Open your domain
The installer starts by itself. It checks the server and asks for the database and your administrator details.
Add the cron line
The installer shows it. It runs the scheduler every minute.
Sign in to the staff desk
Staff use /staff after signing in.

04

First-time setup#

All of this lives under Staff, Settings.

Company: name, tagline, address, phone, support email, brand colour, currency, search description and footer text
Borrowing disclosure: the legal text shown beside every quote and in every agreement
Mail: SMTP host, port, username, password, encryption, from address and name, then Test it
Payments: switch on each provider with its own keys, and add your bank accounts for transfers
Security: staff two-factor, idle sign-out and the allowed network addresses
Loan products: create at least one product (see below)
Apply for a test loan as a borrower and take it through approval and a repayment

05

Make it yours#

Loan products

Each product defines what a borrower can ask for and what it costs. Create products under Products.

Group	Fields
Shape	Name, status, one-line summary, description
Limits	Smallest and largest loan, shortest and longest term in months, open loans allowed per borrower
Pricing	Interest method, rate (a year; the whole fee for "one fixed fee"), arrangement fee (percent and fixed), insurance percent
Repayment rules	Early repayment fee as percent of what is left, grace days, one-off late fee (fixed and percent of the overdue amount), daily penalty percent

Lending rules

The score that counts as approve (0 to 100) and the score at or below which an application counts as decline
A legal cap on the APR (0 means no cap)

Messages

Under Settings, Messages every email and bell notification can be edited: its title, email subject and short text. Emails use a responsive layout in your brand colour.

The AI desk

Optional. Choose a provider and model, paste its key and press Test the connection. You decide what the AI may do (off, advise or act), the largest loan it may approve alone and the confidence it needs. Numbers are always computed by the platform, not by the AI.

06

Payments#

Open Settings, Payments
Each provider has its own set of keys.
Switch it on
Paste the keys. Start with the provider's test or sandbox keys.
Register the webhook
Register https://yourdomain.com/webhooks/GATEWAY in the provider dashboard (for example https://yourdomain.com/webhooks/paystack) so confirmations reach Lendora.
Make a test repayment
The payment is applied to the loan only after the provider confirms it. Then switch to live keys.

07

Scheduled tasks and commands#

Commands

php artisan schedule:run     # run by the cron job every minute
php artisan lending:accrue   # late fees and penalties (safe to repeat)
php artisan lending:remind   # payment reminders
php artisan lending:audit    # prove every loan balance matches its ledger

08

Backups and updates#

Two habits keep a live site safe: backups before every change, and updates from your own dashboard only.

What to back up

Back up the database and the .env file. Keep a copy of the storage folder if borrowers upload documents.

Installing a new version

Back up first
Copy the files and database as described above. Keep the copy somewhere other than the server.
Download the new release
Sign in to Biply Market, open My licences and download the latest signed zip. Releases are only available to licence holders.
Upload and overwrite
Extract the zip over your existing files. Do not delete your data folder or .env file: they hold your settings and customers.
Check the release notes
Each release says whether the database changes. If you have no terminal access, email [email protected] and we will apply it for you.
Open the site and test
Sign in as an administrator and check one normal action before you tell customers.

09

Security checklist#

HTTPS on the domain
Two-factor sign-in on for all staff (Settings, Security)
An allow-list of staff network addresses, set carefully so you do not lock yourself out
Idle sign-out set to a sensible number of minutes
New-device sign-in alerts left on
Review the audit log of staff actions regularly
Database and .env backed up

10

Troubleshooting#

Symptom	Likely cause and fix
Blank page or error 500	Set PHP 8.3 for the domain and enable the extensions the installer lists.
Reminders and late fees do not run	The cron job is missing. Add the line the installer showed.
A repayment never appears	The provider webhook is not registered or points at the wrong domain.
Emails do not arrive	Check Settings, Mail and press Test it.
You are locked out of the staff desk	The network allow-list does not include your address. Ask support to help you clear it.

11

Getting help and customisation#

You are never on your own with a Biply script.

Free installation

After you buy, tell us and we install Lendora on your hosting at no extra cost.

Professional support

Email [email protected] with your domain and a description or screenshot of the problem.

Customisation

Need your own features, integrations or branding? Hire Biply Agency for a written quote.