A loan-management platform built for Thai and SEA BNPL lenders. PromptPay-native repayments. LINE notifications to borrowers. Origination, collections, and reporting on one screen — pilot-ready in 6–8 weeks, not six months.
If you run more than a couple of hundred active loans, you've felt at least one of these. BNPL Loan Manager is built for all three.
Repayments come in via PromptPay, K+, bank transfer, and cash. The collections team types each one into Excel by hand. By Friday, nobody trusts the numbers.
Aging buckets live in a different sheet from the loan list. By the time the collection officer pulls the late list, the easy ones have already gone cold.
Customer details go in one form. Product into another. The amortisation table gets typed into a third. The contract gets re-keyed into Word. The borrower waits at the counter.
The cards marked ★ ONLY BNPL LOAN MANAGER are features that, to our knowledge, no other off-the-shelf loan-management product currently ships for Thai and SEA mid-market lenders. Each one exists because the work demanded it — not because a feature comparison sheet asked for it.
Each installment generates a PromptPay payment request a borrower can scan with K+, SCB Easy, KMA, or any Thai banking app. No card rail. No Stripe. Reconciliation back to the right installment is automatic. Mambu and LoanPro both rely on generic acquirer integration.
Welcome message on disbursement. Three-day-before reminder. Same-day reminder. Day-after dunning. All sent through your LINE Official Account in Thai. Western lending platforms ship Twilio SMS — not LINE, the channel Thai borrowers actually read.
Every contract carries the mandatory "borrow as necessary and make sure you can afford to pay back" warning required by BoT Notification SorKorChor 7/2566. DSR check at origination. Persistent-debt 5-year-payoff math handled. You stay compliant without a separate compliance review.
Customer → product → terms → documents → review. The installment table builds itself as the officer types the price and term. Thai BNPL is a flat-interest market — the preview table shows monthly payment, total payable, and total interest in real time. Most Western LMS default to declining-balance and need configuration to behave correctly.
Current · 1–30 · 31–60 · 61–90 · 90+. Click a bucket to expand the list. Per loan: phone, outstanding amount, days overdue, last action. Inline log of "Called", "Sent SMS", "Field visit", "Promise to pay". Most LMS sell collections as a separate add-on; here it's the primary screen for collection officers.
If you're a retail chain financing your own POS, every store front shows up as a merchant with its own portal: own loans, own commission rates, own performance. Direct-lender platforms like LoanPro or Q2 don't model merchants; they assume one originator.
Contract, repayment schedule, statement of account, and overdue notice — all rendered in Sarabun font with proper Thai line-breaking. Works the first time. Western platforms exporting through dompdf produce boxes where Thai vowels should be.
Admin, loan officer, collection officer, merchant admin, customer support. Each role sees only the screens and actions they need. A merchant admin sees their own loans and commission. A collector cannot originate. Set up once on day one and forget.
Overview, repayment schedule, payment history, documents, activity log. Every action on the loan becomes a timestamped history entry.
Reschedule a delinquent loan with a new term. Write off a non-recoverable loan with chair sign-off. Both leave full audit history.
End-of-day breakdown: total collected, by method (PromptPay, bank transfer, cash, cheque), by officer, with reconciliation export.
Portfolio Summary, Aging Report, Collection Report, Merchant Performance, Disbursement Report. CSV for finance; Portfolio and Aging also export to Sarabun PDF for the file.
On-time rate, payment completion, all loans table, outstanding balance, NRC and phone search. The real picture of a borrower in seconds.
Per-merchant origination volume, default rate, monthly disbursement chart, commission tracking. Ready for a monthly merchant review.
Every loan creation, payment, status change, reminder, and note in one place. Filter by user, action, date range — read the audit trail like a story.
Every box below is a real screen in BNPL Loan Manager. Every arrow is a real action your team takes. Find the workflow closest to yours — that's how you'll use it on day one.
Lenders like: Central Retail Group, Power Buy, COM7 (Studio 7 / iStudio), SuperSports — chains adding their own installment programme alongside cards and PromptPay.
Originates a 6-month installment for a phone purchase. Live preview shows monthly payment.
Signs the contract on a tablet. Receives the LINE welcome and the first PromptPay due date.
Pays through PromptPay. Scans the QR with K+. Receipt syncs to the right installment.
Sees their own store's loans, defaults, and commission as a merchant.
Lenders like: Krungsri Auto, Aeon Thana Sinsap, Srisawad Finance, Heng Leasing, Muang Thai Capital — BoT-supervised non-banks moving a personal-loan or BNPL line into a real platform.
Reviews application. Runs DSR check. BoT warning attaches to the contract automatically.
Opens the aging dashboard at 9am. Works the 31–60 bucket first.
Sends a LINE reminder in one tap. Logs "Called · promise to pay 18 May".
Pulls the daily portfolio dashboard. Aging chart, default rate, collection rate.
Lenders like: KBank K PAY LATER, SCB Mae Manee, KKP Dime, ttb Smart Pay — bank-owned BNPL or installment lines run as a separate book alongside the card portfolio.
Originates an in-app installment for an existing card customer. Five-step wizard.
Reads-only access to loan history. Adds notes when borrowers call in.
Restructures the loan into a longer term. New schedule replaces the old.
Pulls a portfolio quality report for the monthly credit committee.
BNPL Loan Manager is built first for Thai and SEA mid-market lenders, then for everyone else. The list below is what you would otherwise spend three months adding to a generic Western LMS.
Per-installment QR generation. Reconciliation back to the right installment by reference number. Cash, K+, and bank transfer captured manually with a method tag.
Borrower notifications sent through your LINE Official Account. Welcome, three-day, due-day, day-after. Templates in Thai. SMS as a backup channel.
The mandatory "borrow as necessary and make sure you can afford to pay back" warning attached to every contract — required by BoT Notification SorKorChor 7/2566 since January 2024.
Total interest = principal × monthly rate × term. Total payable / term = monthly. The way Thai BNPL pricing actually works. Declining-balance available for non-bank installment products.
Configurable debt-service-ratio threshold. Loans above the cap are flagged for second-line review before disbursement. Exposed in the activity log for audit.
Loan contract, repayment schedule, and statement of account rendered in Sarabun font with proper Thai line breaks. Print, sign, and file — or send the PDF over LINE.
Officers work in either language. Borrower-facing surfaces (LINE messages, contract, statement) default to Thai. Auditors and regional risk teams toggle to English in one click.
Every read or change to borrower data writes a timestamped log entry. Export per data subject when a DPO request comes in. Default Singapore-region hosting; Thai-region available on request.
Here's what changes in the first ninety days for a typical Thai BNPL operator with 200–500 active loans across one head office and a handful of merchant points.
Per-loan origination time at the counter. The wizard, live preview, and DSR check replace four spreadsheet hops and a re-keyed Word contract.
Share of 1–30 day overdue amounts recovered within the same bucket. LINE reminders reach borrowers same-day; cold-list calls don't.
Daily payment reconciliation. PromptPay reference numbers tie back to the right installment automatically — the team confirms, doesn't reconstruct.
90+ day default rate after one full collection cycle. Aging buckets and same-day dunning catch the curable cases before they harden.
In operational terms, a 300-loan book with a two-person collection team gets back roughly half a full-time-equivalent every week — time that redirects to actual recovery, not data entry. In financial terms, recovering an extra 20–30 points of curable overdues on a ฿20–80M outstanding book covers the engagement many times over within the first quarter. In compliance terms, the BoT warning, DSR check, and PDPA-aware audit log close the gap a regulator or external auditor will ask about on day one.
Figures are derived from pilot estimates and our founder's prior delivery of fintech and consumer-tech platforms across Southeast Asia (2017–2026), including facial-recognition / eKYC and connected-vehicle work. Individual results vary by loan-book mix, merchant network, and existing collection process maturity.
Most lenders are originating real loans on BNPL Loan Manager by week 6 and running their first full collection cycle by week 8. Here's what each phase looks like at a head office of around 300 active loans — multi-merchant rollouts compound onto this baseline.
Your products, branches, merchant network, and existing loan book imported. Roles configured for officers, collectors, and merchant admins. PromptPay merchant ID and LINE OA wired up. Contract templates rendered in Sarabun.
Officers originating new loans through the wizard. Collections team working the aging dashboard. Borrowers paying via PromptPay and receiving LINE reminders. We adjust the workflow based on what the team actually does each day.
Run a full month-end on the platform. Generate the portfolio summary, aging report, collection report, and merchant performance report. Finance and risk leadership review the output to confirm it matches the spreadsheet they're retiring.
Your team operates BNPL Loan Manager day-to-day without daily support. We monitor and respond to issues in the background, and start the conversation about additional merchants, branches, or product lines.
Investment is sized to your loan book, the number of merchants, and the products in scope — discussed in person or on a call when we meet, not on a public price list. BoT-supervised non-banks and bank-affiliated desks usually have specific procurement and risk-review processes; we'll work within yours.
Either. The standard pattern is a per-installment PromptPay QR generated from your merchant ID, with reconciliation back to the right installment using the PromptPay reference number. If you already use 2C2P, Omise, or another Thai acquirer for QR collection, we plug into their settlement file instead. Bank transfer and cash continue to work in parallel — the team logs them with a method tag.
By default, the hosted version runs on Singapore-region infrastructure for cost reasons. For Thai-region data residency — common for BoT-supervised non-banks and any lender with a strict PDPA stance — we offer a Thai-region managed-tenant option. Specify residency at pilot scoping. We do not move borrower data between regions without your written consent.
Every contract auto-attaches the mandatory warning text required by BoT Notification SorKorChor 7/2566. The DSR check runs at origination against your configured threshold. Persistent-debt detection — the BoT's 5-year-payoff-at-15% rule — surfaces relevant accounts on the dashboard for the credit team to action. We are a software vendor, not a regulatory advisor; final responsibility for compliance sits with your licensed entity, but the platform makes meeting the rules the path of least resistance.
Yes. Almost every pilot starts from a messy spreadsheet of 100–500 loans. We import what's there, flag obvious problems (missing principals, schedules that don't sum, duplicate customer IDs), and let your team clean those during the first two weeks. The clean book is one of the deliverables you keep, regardless of whether you proceed with full rollout.
The core platform — origination, repayment, collections, multi-merchant — is geography-neutral. The Thai-specific layer (BoT warning, PromptPay rail, LINE OA, Sarabun contract) becomes a compliance layer per market: OJK warning + GoPay/QRIS rail for Indonesia, BSP advisory + InstaPay for the Philippines. We scope the regional layer alongside the pilot. The first reference deployment is Thai.
The loan stays in the aging buckets until written off. Restructure lets you reschedule on a longer term with sign-off from the credit committee. Write-off requires admin-level permission and writes a permanent activity entry that survives any future undo. Your auditor sees the full trail — what you tried, who approved each step, and when.
BNPL Loan Manager is built by Inline One Systems, a Bangkok-based product studio. Our founder previously shipped fintech and consumer-tech platforms across Southeast Asia between 2017 and 2026, including facial-recognition / eKYC software adopted by SEA banks and a connected-vehicle ecosystem with regional automotive marketplaces. BNPL Loan Manager carries that operational pattern forward into a product designed first for Thai and SEA mid-market lenders.
A 30-minute walk-through. Bring your current loan spreadsheet, your product list (term lengths and interest rates), and one merchant's worth of recent disbursements. We'll demo the platform with your real data — origination, repayment, aging, reports. If the shape fits, we scope a structured engagement at one site. If it doesn't, you leave with a clearer view of what your lending operation actually needs.