Automate loan servicing and repayment tracking.
Move beyond spreadsheets. NAYA provides the ledger infrastructure to track principal, interest, and fees for every loan in real-time.
The Servicing Gap
Most lending fintechs build their own loan servicing software or get stuck with legacy bank cores. Tracking amortization, partial repayments, and late fees in a custom database is error-prone and hard to scale.
Balance Drift
When your app database says one thing and the bank account says another, you have a reconciliation break. These accumulate and kill margins.
Complex Logic
Handling early repayments, charge-offs, refinancing, and fee waterfalls requires complex accounting logic that shouldn't live in your frontend code.
Scaling Pains
Manual reconciliation works for 100 loans. At 10,000 loans, you need an automated ledger that can handle high throughput.
Infrastructure for Lenders
Real-Time Loan Ledger
NAYA acts as the system of record for every loan. Track principal balance, interest accrued, fees owed, and payment status in real-time with immutable precision.
- Sub-ledgering for Principal vs Interest
- Automated amortization schedules
- Daily accrual logic
// Example: Loan Repayment Split
{
"event": "repayment_received",
"amount": 500.00,
"ledger_entries": [
{ "account": "user_cash", "dr": 500 },
{ "account": "loan_principal", "cr": 450 },
{ "account": "interest_income", "cr": 45 },
{ "account": "late_fees", "cr": 5 }
]
}Cash-to-Ledger Reconciliation
Ensure that every dollar on your loan tape matches the actual cash in your bank account. NAYA connects to your payment processor (Stripe, ACH) and your bank to verify settlement automatically.
- Detect failed repayments instantly
- Track funds in transit
- Automate charge-off accounting
Frequently Asked Questions
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