Self-hosted loan origination, servicing and collections with Apache Fineract and Mifos X or Frappe Lending, and how lending rules in the US and EU shape the system.
Group and individual lending for microfinance institutions and credit unions on Apache Fineract with Mifos X: loan products and repayment schedules, field officer workflows, savings linked to loans, portfolio reports and hosting for small IT teams.
API-first lending products built on Fineract or Frappe Lending: origination flows in your own app, decisioning outside the core, repayment collection through payment providers, accounting entries and scaling read and write instances.
What the revised Consumer Credit Directive applying from November 2026 means for lenders on open source loan software: BNPL and small loans in scope, creditworthiness records, human review of automated decisions, disclosures and withdrawal handling.
Meeting ECOA Regulation B timing in a self-hosted lending stack: tracking application completeness, 30-day notice deadlines, recording reasons for adverse action, and keeping the evidence examiners request.
For non-bank lenders covered by the Safeguards Rule: encrypting borrower data, MFA for staff and admins, logging user activity, change management and the testing the rule requires, applied to self-hosted Fineract or Frappe Lending.
Partnership lending where two institutions share loans: how Frappe Lending supports co-lending and loan transfers, splitting repayments and interest, partner reporting, and when Fineract needs custom work for the same model.
Requirements to define before choosing Fineract, Frappe Lending or a lending SaaS: products and interest methods, origination and decisioning, collections, collateral, accounting, regulatory reporting, channels and integrations.
Questions for partners bidding on an open source lending implementation: product configuration experience, portfolio migration, front end choice, credit bureau and payment integrations, security controls and support terms.
Cost components of self-hosting Fineract with Mifos X or Frappe Lending against a per-loan or per-account lending SaaS: infrastructure, implementation, integrations, compliance work, support and the drivers that move each.
Tell us what you're working on, whether it's a deployment, an audit, a security test or a cyber range. You'll speak with an engineer who can help you scope it.