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Moneylender Professional is loan servicing software built for lenders, with its core application running on Microsoft Windows and loan portfolios managed through Portfolio files. It emphasizes a configurable calculation engine and an end-to-end servicing workflow, and has been chosen by more than 1,600 lenders. Typical users include private lenders, small lending firms, seller-financing providers, cash/short-term lenders, leasing businesses, and line-of-credit operations.
The product supports unlimited loans, lenders, borrowers, and payment records, covering many loan types including amortized loans, interest-only loans, construction loans, leases, Line of Credit, Payday loan, balloon loans, and more. Its interest and fee rules are highly granular, including fixed/percentage/escalating/daily late fees, simple interest, compound interest, multiple daily-rate conventions, mid-loan changes to interest rates and payment schedules, escrow accounts, Metro2 reporting, attachments, notes, templates, and custom reports. Deployment is primarily as Windows desktop software, supporting Windows 11/10 and Windows Server 2019/2016; Mac users need an emulator such as Parallels. Teams can use a network Portfolio or the official Portfolio Cloud Hosting service.
The core software costs $489 per license as a one-time purchase, with no monthly or annual fee. Minor version and revision updates are free. Each computer/user requires a separate license, and activations can be transferred. The Demo is free and can be used to enter real loans, with data retained after purchase; however, it has limitations such as showing only the first three payments for each loan, displaying only the first three characters of some name and address fields, and showing only three loans in a network portfolio. AutoPay costs $15/month plus ACH transaction fees; cloud hosting is tiered by loan count at $39/$59/$99 per month, and the cloud API costs an additional $50/month.
Moneylender provides an HTTPS API that can read, write, create, and delete Portfolio data, generate payoff quotes, send statements, and upload/download attachments. CSV export is also available. AutoPay provides a borrower portal, ACH payments from U.S. bank accounts, automatic posting, and reminder emails. On security, the documentation mentions strong data encryption; cloud hosting includes daily, weekly, and monthly backups plus off-site copies. However, it does not disclose compliance certifications such as SOC 2, ISO, or GDPR.
Its strengths are good value through one-time licensing, detailed loan rules, support for local/self-hosted/cloud-hosted deployment, and an API that can handle a reasonable level of automation. Drawbacks include native support only for Windows, the need for multiple licenses as teams grow, AutoPay being largely oriented toward U.S. ACH use cases, and limited information on permissions and compliance certifications. It is best suited to lenders that need powerful calculation rules, operate at a small to mid-sized scale, and are comfortable using Windows tools. It is less suitable for large institutions that prioritize pure SaaS delivery, multi-region payments, complex enterprise permissions, and international compliance.
The website content does not provide information on access from mainland China, RMB payments, or localized support, so china_access can only be assessed as unknown. Payment is disclosed as credit card-based, while AutoPay is designed for U.S. bank accounts. Domestic lending institutions in China would face limitations around payments, compliance, and local credit-reporting workflows. If using it in China, it is important to evaluate network connectivity, USD credit card payment, cross-border data transfer, and financial regulatory requirements. Alternatives to consider include LoanPro, TurnKey Lender, Nortridge, or a customized local microloan/financial core system.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on moneylenderprofessional.com official site.
moneylenderprofessional.com is an United States Finance provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of Workable. Click "Visit Official Site" to reach moneylenderprofessional.com directly.