Business Tools • Version 3

💰 Loans Management System V3 (Pautang Tracker)

The ultimate lending tool — now with daily penalty tracking, monthly schedules, and full retroactive logging!

🚀 The Next Evolution of Lending Automation

After the success of Loans Management System V2, we listened to real feedback from lenders who needed stricter tracking — and built the ultimate upgrade. Introducing Loans Management System V3: the complete command center with penalty management for your lending business.

V3 doesn't just track payments; it actively enforces discipline. It now features a Daily Penalty system for overdue installments, a detailed Monthly Schedule to track expected vs. paid amounts per month, and the ability to set past due dates for retroactive logging. Borrowers can't slip through the cracks, because the system shows exactly how much principal and how much penalty they owe — down to the exact day.

⚖️ Version 2 vs Version 3

📱 Version 2 (Basic)

• No penalty system for late monthly installments.
• No monthly breakdown — just a total balance.
• Cannot set past due dates (forgot to encode? stuck!).
• Interest types can be confusing (Monthly x Term vs Flat).
• No way to pause reminders for a specific month.

🚀 Version 3 (Ultimate)

• Daily Penalty (₱/day) accumulates automatically for late months.
• Monthly Schedule table: See Expected, Paid, and Penalty per month.
• "Pay Penalty" button to clear penalty dues separately.
• Retroactive logging: Set past dates if you forgot to encode.
• Pause reminders per month, and explicit Installment/Friendly types.

✨ Premium Features Included

Monthly Schedule Tracking

For installment loans, view a detailed monthly table showing Expected, Paid, and Penalty amounts for every single month. Know exactly which month a borrower is short on.

Daily Penalty System

Set a penalty per day (e.g., ₱10/day). If a borrower misses a monthly due date, the penalty accumulates automatically. Mark penalties as paid with one click.

Retroactive Date Logging

Forgot to encode a loan from last month? No problem. You can now set past due dates. The system will automatically compute the overdue status and accumulated penalties up to today.

Pause Reminders Per Month

If a borrower asked for an extension for a specific month, you can pause the email reminders for that month without stopping the whole loan's reminder cycle.

Smart Payment Application

When a payment is made, the system automatically applies it to the oldest unpaid monthly installment until it runs out. The balance and monthly statuses update instantly.

Penalty Transparency in Emails

Email reminders now explicitly show the Penalty Amount. Borrowers will see exactly why their balance increased, preventing any confusion.

Live Dashboard & Statistics

Active loans, outstanding balance (with penalties), total collected, overdue count, and expected interest — all in real time.

Enhanced Security

Admin PIN protection — changeable directly inside the app. Automatic session timeout that logs you out after inactivity.

🎯 Who is this for?

Lenders with Installment Plans Sari-Sari Store Owners with Utang Cooperatives needing Penalty Tracking Businesses with Monthly Due Dates Version 2 users ready to level up

📺 Live App Preview

💰

Loans Management System V3

Dashboard → Monthly Schedule → Pay Penalty → Auto Email

👉 To try the live preview, use the Admin PIN: 1234

CLICK FOR LIVE PREVIEW

📚 How to Use the System

👨‍🏫 For the Admin / Lender:

1. After purchasing, click the "Make a Copy" link sent to your email.
2. Open the Google Sheet → Extensions > Apps Script > Deploy > New deployment > Web app. Set Execute as: Me and Who has access: Anyone, then Deploy and authorize.
3. Open the Web App URL and log in using the default PIN: 1234
4. Go to ⚙️ Settings: Set your Sender Name, configure your Follow-up Reminders, and edit your Email Template (now supports {penalty}).
5. Add loans from the Installment or Friendly tab. For Installment, set the Term (months) and Penalty per Day. Set the Due Date (you can use past dates if you forgot to encode).
6. Tap the 💰 button to view the Monthly Schedule, pay penalties, pause a month, or add payments. The balance updates instantly.
7. Overdue loans turn red, and penalties accumulate automatically. Reminders are sent via email, detailing the exact balance and penalty.

⚠️ Important Note on Penalties & Reminders:

• Penalties only apply to Installment loans (Friendly loans have 0% interest and 0 penalty).
• The penalty counter starts the day AFTER the monthly due date passes.
• If you set a past due date upon creating the loan, the system will instantly compute the penalty from that date up to today.
• You can mark a penalty as "Paid" by clicking the Pay Penalty button in the Monthly Schedule. This logs the penalty amount as a payment.

❓ Frequently Asked Questions

What's the main difference between V2 and V3?

V3 introduces a Daily Penalty system, a Monthly Schedule table (Expected vs Paid vs Penalty per month), the ability to set past due dates for retroactive logging, and a "Pause Reminder" feature per month. V2 only tracked the total balance without monthly breakdown or penalty enforcement.

How do penalties work?

When creating an Installment loan, you can set a "Penalty per Day" amount. If a borrower fails to pay the expected amount for a given month by the due date, the penalty accumulates daily. You can view this in the Monthly Schedule table and mark it as paid by clicking "Pay Penalty".

Can I set a past due date if I forgot to encode the loan?

Yes! V3 removes the date restriction. If a borrower took a loan last month and you're only encoding it today, simply select last month's date. The system will automatically calculate the overdue status and accumulated penalties from that date to today.

What happens when a partial payment is made?

The payment is automatically distributed to the oldest unpaid month in the schedule. For example, if month 1 is unpaid and month 2 is unpaid, the payment will apply to month 1 first until it is fully covered.

Can I stop reminders for a specific month?

Yes. If a borrower asks for an extension, you can open the 💰 Payments modal, find the month in the schedule, and click "Pause". The system will skip sending reminders for that specific month.

Level Up Your Lending Business Today!

One-time payment. Lifetime use. The ultimate lending command center with penalty tracking.

Special Price

₱450.00 ONLY

BUY NOW VIA GCASH

After payment, you will receive an email with the link to make your own copy of the system. No coding required!