If you lend money in installments, the hard part is not the first loan. It is the 165th, with 38 instalments falling due next week, 18 loans past due and a manager who needs to approve three applications. The Loan & EMI Management System Web App is a loan management system web app that handles that whole life cycle on your own Google account, with no per-user fee.
Watch the Loan & EMI Management System Web App: Run Your Whole Loan Book in Google Sheets walkthrough
🚀 Try the Live Demo: Login Details
Open the live demo, sign in with any role below and click through every screen before you buy.
Demo sign-in details: all 6 roles
| Role | Username | Password | What it can reach |
|---|---|---|---|
| Administrator | admin |
Admin@123 |
Everything: users, settings, archive, unlimited approvals |
| Branch Manager | manager |
Manager@123 |
Credit decisions to $75,000, KYC, disbursement, reversals, waivers, write-offs |
| Loan Officer | officer |
Officer@123 |
Borrowers, applications, payments, follow-ups, calculator |
| Collections Officer | collections |
Collections@123 |
Due and overdue list, aging and PAR, promises to pay, reminders |
| Accountant | accountant |
Accountant@123 |
Disbursements, payment posting and reversals, reports, audit log |
| Viewer | viewer |
Viewer@123 |
Read-only dashboard, borrowers, loans, payments, aging, reports |
These are the seeded logins of a shared demo instance that resets. They are public by design. When you buy, you deploy your own private copy with your own users.
What the Loan & EMI Management System Does
It follows one loan from the borrower file to the closing payment. Staff capture a borrower with KYC, take an application with a live EMI quote and a debt-to-income check, and a branch manager or administrator approves it within their approval limit. The accountant disburses it, and the system builds the amortization schedule. From then on every payment is allocated to late fees, penalty interest, interest and principal in that order, oldest instalment first.
The demo data is a fictional lender, Riverbend Lending, with 165 active loans, about $2.73M outstanding, PAR30 of 4.1% and collection efficiency near 95%. All of it is sample data in USD.
Screen by Screen
Sign-in page
The sign-in card carries a First run panel with a Run setup now button for a brand-new install. Default credentials are never printed on the screen.
Dashboard
Outstanding portfolio, disbursed this month, collected this month, interest income, PAR30, collection efficiency, a disbursed-versus-collected chart by month, the aging donut and outstanding principal by product.
Borrowers and KYC
Individual and business borrowers with contact details, employer, income, credit score, risk grade, masked ID, SSN last four only and a Pending, Verified or Rejected KYC status.
Loan applications
Capture a request with a live EMI quote and debt-to-income check, assign it to an officer, then approve with amount and rate, reject or withdraw within the approval limit of your role.
Loans
The loan book with status, product, rate, instalment, outstanding and next due date. Open a loan to see its schedule, payments, guarantors, collateral, documents and collection notes.
Disbursements
Approved applications waiting for funds, plus a disbursement register. Pick ACH, check or wire, enter a reference and the system nets the origination fee and builds the schedule.
EMI calculator
A standalone quote page with the full amortization schedule, so a loan officer can price a loan with a customer before an application exists.
Due and overdue
Past-due loans, instalments due today and due in the next 7 days, with days past due, fees and the officer responsible.
Payments and receipts
Post a payment and the allocation runs late fees, penalty interest, interest, then principal, oldest instalment first. Print receipts at 3 inch, 4 inch or A4.
Aging and PAR
Current, 1-30, 31-60, 61-90 and 90+ day buckets with PAR30, PAR60 and PAR90, split by product and by branch.
Reports
A report library covering portfolio, collections, disbursements and accounting views, each with print and CSV export.
Users and roles
The full permission matrix and an approval limit per user. One permission map drives both the menu and every server-side check.
How the EMI Engine Works
For reducing-balance loans the instalment is P x r x (1+r)^n / ((1+r)^n – 1), where r is the APR divided by 12 for monthly loans or by 26 for biweekly. Flat-rate loans spread total interest evenly. In both cases the last instalment absorbs rounding, so every schedule closes at exactly 0.00. The EMI calculator page shows the full schedule before any application exists.
Collections, Aging and Foreclosure
Overdue loans fall into 1-30, 31-60, 61-90 and 90+ day buckets, rolled into PAR30, PAR60 and PAR90. Collections officers log calls, SMS, email, letters and visits, and record promises to pay as kept or broken. A foreclosure quote adds outstanding principal, accrued interest, unpaid fees and the prepayment fee, and loans past 90 days can be written off by a manager.
What It Does Not Do
This is not a bank connection, a credit bureau feed, an ACH processor or a customer portal. It does not file regulatory reports and makes no claim of compliance with TILA, ECOA, FDCPA or any state licensing rule. It calculates and records what your staff enter. Check your own legal and licensing duties before you lend.
Loan & EMI Management System vs. an Excel Loan Tracker
A spreadsheet can track a few loans. Once you have several staff, approval limits, daily late-fee runs and an audit trail, a spreadsheet becomes a risk. This web app adds six roles, a permission matrix, an audit log and a database archive, and you still own the source.
Frequently Asked Questions
Can I try it before buying?
Yes, the live demo above uses six roles on a shared instance that resets.
Where is my data stored?
In a Google Sheet created in your own Drive during setup. Share it only with people who should see borrower data.
Does it send reminders?
It can email payment reminders and a daily digest after you run the install-triggers function. It does not send SMS.
Get the Loan & EMI Management System
Get the Loan & EMI Management System Web App on Next Gen Templates. Related: more Google Sheets and Apps Script guides on Neo Tech Navigators.
Video tutorials: PK An Excel Expert on YouTube.
