> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincode.technology/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

Welcome to the lending platform documentation. This guide will help you understand how our digital lending system works and how to integrate it into your application.

### What is Digital Lending?

Our lending platform enables **fast, secure, and automated loan processing** for customers. The system supports:

* **Loan Applications** - Customers can apply for loans through multiple channels
* **Automated Underwriting** - Automated credit assessment and risk evaluation
* **Fast Disbursement** - Funds are electronically disbursed to customer wallets
* **Repayment Management** - Automated repayment tracking and collection

### Key Features

<CardGroup cols={2}>
  <Card title="Automated Credit Assessment">
    Automated credit scoring and risk evaluation using credit bureaus, history and alternative data.
  </Card>

  <Card title="Multiple Loan Products">
    Configure different loan products with varying interest rates, tenures, and eligibility criteria.
  </Card>

  <Card title="Flexible Disbursement">
    Disburse loans to customer wallets or bank accounts.
  </Card>

  <Card title="Automated Repayment Tracking">
    Track repayments, generate schedules, and manage collections automatically.
  </Card>

  <Card title="Real-Time Processing">
    Fast loan application processing with automated eligibility checks and instant decisions where applicable.
  </Card>

  <Card title="API-First Design">
    RESTful APIs with comprehensive documentation and sandbox environment for seamless integration.
  </Card>
</CardGroup>

### How It Works

The lending flow consists of five main phases:

<Steps>
  <Step title="Loan Application">
    Customers apply for loans by selecting a product, providing required information, and answering eligibility questions.
  </Step>

  <Step title="Application Processing">
    System processes the application, performs eligibility checks, and may trigger automated credit assessment.
  </Step>

  <Step title="Underwriting & Approval">
    Loan officers can manually review applications, approve or reject based on risk assessment, and set loan terms.
  </Step>

  <Step title="Disbursement & Withdrawal">
    Approved loans are disbursed to a newly created customer wallet. Customers can then withdraw funds to their verified bank accounts.
  </Step>

  <Step title="Repayment & Collection">
    Customers make repayments according to schedule, with automated tracking and collection management.
  </Step>
</Steps>

<Info>
  For detailed visual flow, see the [Process Flow](/lending/process-flow) and [Loan Lifecycle](/lending/loan-lifecycle) pages.
</Info>

### Core Concepts

#### Loan Application Lifecycle

Every loan application moves through defined states from submission to completion:

```
REQUESTED → APPROVED → OFFER_SENT → ACCEPTED → DISBURSED
```

Applications can also transition to `REJECTED` or `CANCELLED` at various stages.

<Card title="Learn More" href="/lending/loan-lifecycle">
  See detailed state transitions and what triggers each status change.
</Card>

#### Loan Products

Loan products define the terms and conditions for different types of loans:

* **Interest Rates** - Fixed or variable rates
* **Tenure Options** - Available loan periods (e.g., 3, 6, 12, 24 months)
* **Eligibility Criteria** - Requirements customers must meet
* **Fee Structure** - Processing fees, late fees, etc.
* **Min/Max Amounts** - Loan amount limits

<Card title="Learn More" href="/lending/process-flow">
  Understand how loan products are configured and selected.
</Card>

#### Credit Assessment

The platform uses multiple data sources for credit assessment:

* **Credit Bureau Integration** - Access to credit history and scores
* **Transaction Analysis** - Analysis of customer transaction patterns
* **Alternative Data** - Employment, income, and other verification data
* **Risk Models** - Custom risk scoring algorithms

<Card title="Learn More" href="/lending/credit-scoring">
  Explore credit assessment methods and risk models.
</Card>

#### Repayment Schedules

Repayment schedules are automatically generated based on:

* **Loan Amount** - Principal amount disbursed
* **Interest Rate** - Annual interest rate
* **Tenure** - Loan period in months
* **Repayment Frequency** - Monthly, weekly, or custom intervals

<Card title="Learn More" href="/lending/process-flow#phase-6-repayment-coming-soon">
  Understand repayment calculation and schedule generation.
</Card>

### Integration Quick Start

Before you begin:

<Steps>
  <Step title="Get API Credentials">
    Contact our team to receive your sandbox API keys and base URL.
  </Step>

  <Step title="Review API Documentation">
    Familiarize yourself with our [Lending API Reference](/api/lending/loan-request).
  </Step>

  <Step title="Understand the Flow">
    Read through the [Application Flow](/lending/process-flow) to understand the complete loan journey.
  </Step>
</Steps>

<Card title="Complete API Reference" href="/api/lending/loan-request">
  Explore all available lending endpoints with request/response examples.
</Card>

### Loan Application Process

#### 1. Customer Applies for Loan

Customers select a loan product and submit an application with:

* Requested loan amount
* Preferred tenure (if applicable)
* Eligibility question answers
* Additional documentation (if required)

#### 2. System Processing

The system automatically:

* Validates application data
* Checks eligibility criteria
* Performs initial credit assessment
* Routes to appropriate workflow

#### 3. Manual/Automatic Underwriting Review

Loan officers review applications and:

* Assess creditworthiness
* Verify customer information
* Make approval/rejection decisions
* Set final loan terms (amount, rate, tenure)

#### 4. Offer & Acceptance

Once approved:

* System sends loan offer to customer with terms
* Customer reviews and accepts the offer
* And then proceeds to also accept the loan terms
* Application status updates to ACCEPTED

#### 5. Loan Disbursement & Withdrawal

Once the offer is accepted:

* A **wallet account** is automatically created for the customer
* The loan amount is disbursed into this wallet
* Customers can view their total approved loans

To access the funds:

1. **Add Bank Account** - Customer verifies and adds their bank account
2. **Withdraw Funds** - Initiate transfer from wallet to bank account
3. **Transfer History** - Track status of all withdrawals

<Note>
  Withdrawals attract a small processing fee (e.g., 10 Naira) applied by the payment processor.
</Note>

#### 6. Repayment Management

Customers make repayments and the system:

* Tracks payment history
* Updates loan balance
* Manages overdue accounts
* Generates reports

<Card title="View Complete Flow" href="/lending/process-flow">
  Detailed step-by-step process flow.
</Card>

### Supported Features

#### Automated Eligibility Checks

* Product-specific eligibility rules
* Dynamic field requirements
* Real-time validation
* Automated decision making (where applicable)

#### Credit Bureau Integration

* Real-time credit checks
* Credit score retrieval
* Credit report analysis
* Risk assessment

#### Flexible Repayment Options

* Multiple payment methods (wallet, bank transfer, cash)
* Partial repayments
* Early settlement
* Payment rescheduling (with approval)

<Card title="Learn More" href="/lending/repayment-flow">
  Explore repayment options and processes.
</Card>

### Testing & Sandbox

We provide a full-featured sandbox environment for testing:

* **Sandbox URL**: `https://{domain}.fincode.software`
* **Test credentials**: Provided upon registration
* **Mock credit bureau**: Simulate credit checks
* **No real money**: All transactions are simulated

<Tip>
  Use the sandbox to test all flows, edge cases, and error handling before going live.
</Tip>

### Integration Models

We support flexible integration approaches:

<Tabs>
  <Tab title="Full Customer Journey">
    ### End-to-End Integration

    Build the complete lending experience within your application, managing the entire customer journey from application to repayment.

    **Flow**:

    1. Customer registration and KYC
    2. Loan product selection
    3. Application submission
    4. Underwriting and approval
    5. Disbursement
    6. Repayment management

    **Documentation**:

    * [Complete Application Flow](/lending/process-flow)
    * [Loan Request API](/api/lending/loan-request)
    * [Authentication](/api/auth/login)
  </Tab>

  <Tab title="API-Only (Coming Soon)">
    ### Direct API Integration

    If you manage your own customer interface, you can integrate our lending APIs directly into your system.

    **Flow**:

    ```
    Your System (Customer Interface) 
           ↓
    Submit Loan Application (via API)
           ↓
    Our System (Processing + Underwriting)
           ↓
    Your System (Receive Status Updates via Webhooks)
           ↓
    Loan Disbursed / Rejected
    ```

    **What You Handle**:

    * Customer interface and experience
    * Application data collection
    * Status display and notifications

    **What We Handle**:

    * Eligibility checks
    * Credit assessment
    * Underwriting workflow
    * Disbursement
    * Repayment tracking

    <Info>
      All loan operations are accessible via our REST APIs. See the [API Reference](/api/lending/loan-request) for details.
    </Info>
  </Tab>
</Tabs>

## Next Steps

<CardGroup cols={2}>
  <Card title="Application Flow" href="/lending/process-flow">
    Visualize the complete loan application journey with detailed diagrams
  </Card>

  <Card title="Loan Lifecycle" href="/lending/loan-lifecycle">
    Understand loan states and transitions from application to completion
  </Card>

  <Card title="Credit Scoring" href="/lending/credit-scoring">
    Learn about credit assessment and risk evaluation
  </Card>

  <Card title="Start Integrating" href="/api/lending/loan-request">
    Jump into the API documentation and begin building
  </Card>
</CardGroup>