The Loan & EMI Management System Web App is a complete loan management software for a small lender, built as a Google Apps Script web app on your own Google account. It carries a loan from borrower onboarding and KYC, through application, credit approval, disbursement and the EMI amortization schedule, to repayments, late fees, overdue aging, collections follow-up and closure. The same loan management software prints receipts, statements and quotes.
You get the source (Code.cs.txt and Index.txt) and a PDF user manual. There is no monthly fee and no per-user charge. The demo data is a fictional US lender with USD amounts and US number formats.
Watch the Loan – EMI Management System Web App walkthrough
Watch the Loan & EMI Management System Web App walkthrough
Video walkthrough of the loan and EMI web app, from sign-in to payment posting and aging.
🚀 Try the Live Demo: Login Details
Open the live demo of the Loan & EMI Management System, 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.
🔑 Key Features of the Loan & EMI Management System
- Borrowers and KYC: individual and business profiles, credit score, risk grade, masked ID, KYC status.
- Loan products: reducing-balance or flat interest, fixed or variable rate, APR limits, fees, grace days and penalty APR per product.
- Applications: live EMI quote, DTI check, approval limits by role, reject or withdraw.
- EMI engine: every schedule line is correct to the cent and the last instalment absorbs rounding so the balance closes at 0.00. Monthly or biweekly.
- Payments: late fees, then penalty interest, then interest, then principal. Partial payments, advance prepayments that shorten the term, manager-only reversals.
- Collections: daily late-fee and penalty assessment, days past due, PAR30/60/90, call, SMS, email, letter and visit follow-ups with promises kept or broken.
- Foreclosure and write-off: a foreclosure quote with accrued interest and prepayment fee, settle to close, write-off for 90+ day loans.
- Guarantors, collateral and documents: lien position, LTV, insurance expiry and Google Drive document uploads.
- Reports, audit log and archive: print and CSV export, a full audit trail and a database archive.
🖥️ What’s Inside: 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.
📊 Loan & EMI Management System vs. Excel Loan Tracker vs. Paid Lending Software
| Feature | This web app | Excel tracker | Paid lending software |
|---|---|---|---|
| One-time price | Yes | Yes | Usually monthly per user |
| Multi-user roles and approval limits | 6 roles | No | Yes |
| EMI schedule closing at 0.00 | Yes | Manual formulas | Yes |
| Late fees and penalty interest | Daily assessment | Manual | Yes |
| Collections follow-ups | Built in | Notes column | Yes |
| Source you can change | Yes | Yes | No |
| Bank, credit bureau or payment connection | No | No | Often |
👥 Who This Web App Is For, and Who It’s Not For
For: small lenders, microfinance and community lending offices, equipment and auto finance dealers, chit and loan-book operators, and finance teams that run installment loans from one head office and a few branches.
Not for: a licensed lender that needs regulatory filing, credit bureau reporting, automatic bank debits or a customer portal. The system records and calculates what your staff enter. It does not connect to a bank, an ACH network or a credit bureau, and it makes no claim of compliance with any lending or consumer-credit law (TILA, ECOA, FDCPA, state licensing or similar). Rates, fees and policy are yours to set and check.
⚙️ How to Set Up the Loan & EMI Management System
- Create a new Apps Script project and paste Code.cs.txt into Code.gs.
- Add an HTML file named exactly Index and paste in Index.txt.
- Deploy as a web app (Execute as Me) and accept the permission prompt.
- Open the web app, press Run setup now, then sign in as admin.
- Change every seeded password, then edit Settings, products and branches.
💼 Real-World Use Cases
- A community lender running personal, auto and small-business installment loans across three branches.
- A collections team working the due and overdue list by aging bucket.
- A branch manager approving applications inside an approval limit and waiving a fee with a recorded reason.
- An accountant posting payments and printing receipts and statements.
❓ Frequently Asked Questions
Can I try the Loan & EMI Management System before buying?
Yes. Use the live demo above and sign in with any of the 6 roles. The demo is a shared instance that resets.
What do I need to run it?
A Google account and a modern browser. It runs on Google Apps Script and stores data in a Google Sheet in your own Drive.
Does it connect to my bank or a credit bureau?
No. It does not move money, debit accounts or pull credit reports. Payments are posted by your staff.
Does it make my business compliant with lending law?
No. It is a record-keeping and calculation tool and makes no compliance claim. Check rules, licensing and disclosures for your state and loan type.
Can I change currency, rates and fees?
Yes. Loan products hold the APR range, fees, grace days and penalty APR, and Settings holds currency and print size.
Can different people see different screens?
Yes. Six roles with a permission matrix and a per-user approval limit.
👤 About the Author
Built by PK, the founder of Next Gen Templates, who has built Excel, Google Sheets and web-app systems for small businesses for years. Watch step-by-step tutorials on the PK An Excel Expert channel.
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Compatibility and Requirements
Works in any modern browser on desktop, tablet and phone. Requires a Google account. Setup takes a few minutes. The ZIP includes the source files and a PDF user manual.
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