Building the Foundation for Every Loan
Tenant setup in LendFoundry’s Loan Management System (LMS) is a comprehensive, one-time process that ensures your portfolio operates exactly as intended. Every rule, parameter, and task is carefully configured to reflect your lending products and business model. Once this setup is complete, your LMS becomes the reliable backbone for onboarding and servicing loans.
Environment Setup
Each tenant begins with a dedicated LMS environment, provisioned according to your agreement. Most clients choose our secure, cloud-hosted model, but on-premise or hybrid deployments can also be supported. This environment forms the basis for all subsequent configurations.
Automated Daily Tasks
LendFoundry LMS runs a series of automated end-of-day (EOD) and beginning-of-day (BOD) tasks that keep your portfolio accurate and up to date. These include daily accruals to calculate interest and update balances, payment processing for file generation and retries, and monitoring services that track job statuses with alerts sent via email, Slack, or the LMS portal. With automation in place, critical financial operations run consistently without manual oversight.
Product & Loan Parameters
During setup, each financial product is defined by a standard set of rules and parameters. These include payment frequency, interest type, amortization method, and grace periods. More advanced options cover auto-pay triggers, NSF retry rules, and holiday calendars. Together, these parameters determine how loans behave day to day, ensuring repayment schedules, balances, and accruals are always precise.
Fees & Payment Allocation
Fee structures are configured upfront to reflect your business model. Origination fees, late fees, NSF charges, and recurring monitoring fees can all be automated according to your rules. Payment hierarchies define how incoming payments are allocated — whether by due date, by bucket, or through custom logic. These allocation rules directly impact lender revenue and borrower experience, making setup a critical step in aligning business goals with system behavior.
Security & Access
To protect sensitive data, LendFoundry LMS supports both Two-Factor Authentication (2FA) and Single Sign-On (SSO). Access can be centrally managed across LendFoundry modules, with user-level permissions and audit trails ensuring compliance and transparency.
Advanced Configurations
For lenders with more complex products, the LMS supports advanced options such as collateral and escrow accounts, variable or penal interest rates, and recovery hierarchies for charged-off loans. These features provide flexibility for specialized lending scenarios, while still operating within the same unified platform.
Why Tenant Setup Matters
Start Strong with LendFoundry
Tenant setup is more than a technical step — it is the foundation of your lending operations. With the right configurations in place, you can confidently onboard loans, manage portfolios, and scale your business.
Ready to configure your LMS?
Frequently Asked Questions
Yes. Tenant setup is a comprehensive, one-time process handled during implementation. Any future changes require re-engagement with LendFoundry to ensure proper testing and deployment.
The timeline depends on the complexity of your products and rules. A standard setup may take a few weeks, while more advanced configurations (e.g., variable interest, escrow, multi-product portfolios) require additional time.
Certain loan-level parameters (like payment frequency or amortization method) can be adjusted during onboarding. However, changes to product-level rules or global configurations require LendFoundry’s involvement to maintain system integrity.
Accrual is the most critical daily task. In rare cases of failure, LendFoundry provides monitoring, error alerts, and support to quickly resolve issues and ensure balances remain accurate.
Yes. Tenants can define currency precision (e.g., 2 decimals for USD, 3 for SAR). This ensures accurate calculations for international portfolios.
All fee types — origination, late, NSF, recurring — are defined during the initial setup. Their values may be fixed or rule-based (e.g., a percentage of installment amount). Once defined, fee rules cannot be changed by users on the fly.
Yes. Along with standard hierarchies (schedule-based, bucket-based), LendFoundry allows custom allocation logic aligned to your business model.
Yes. You can enable 2FA, integrate with Single Sign-On (SSO), and define user roles and permissions. Access policies are tailored to your organization’s requirements.
Yes. Tenants can configure variable interest products linked to market indices (e.g., LIBOR, Prime Rate) with spread, floor, and cap settings, plus repricing rules.
Tenant setup ensures all products, rules, fees, and processes are aligned with your lending model. Without setup, the LMS cannot generate accurate schedules, accruals, or reports — making it a critical foundation step.
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