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A free, private, offline-first desktop app for lenders, moneylenders, cooperatives and microfinance agents — manage clients, loans, repayments, collections, penalties and documents, with no subscription, no cloud lock-in and no telemetry.
Download for macOS · Screenshots · Install in one command
Animated tour — Dashboard · Loans · Payments · Client profile
Optional per-profile startup login
Lending Pro Freeware is the complete, no-nonsense tool for anyone who lends money and needs a clean, professional ledger. Track every client, loan, payment and overdue balance in one place. Generate signed contracts and receipts as PDF in one click. Capture a borrower's photo and ID live from the webcam. Send collection reminders. Everything stays on your computer — your data never leaves the machine unless you choose to back it up.
It pairs the polish and speed of a modern macOS app with cent-exact accounting and true privacy.
Le détail complet de toutes les nouveautés est disponible dans NOUVEAUTES.md.
| Version | Highlights |
|---|---|
| 1.5.1 | Complete public-release audit: full JSON backup coverage, reproducible demo resets, privacy-hardened sample data, patched frontend dependency and corrected mobile/hidden-control behavior. |
| 1.5.0 | New international Lending Pro identity, matching macOS/Windows/web icons, and an optional per-profile login screen with PBKDF2 password protection, session locking and failed-attempt cooldown. |
| 1.4.0 | Guarantors and signatures, structured collateral registry, extended KYC, daily/weekly/biweekly/monthly schedules, disclosed fees and net disbursement, effective APR, automatic late penalties, collectors, PAR/aging and post-default recovery reporting. |
| 1.3.2 | Light theme by default, dark theme preserved as an option, corrected theme toggle, and a complete light-mode screenshot gallery. |
| 1.3.1 | Donation reminder limited to once every 7 days, then once every 90 days after local donation confirmation; simplified local-only donation logic. |
| 1.3.0 | One-command checksum-verified macOS installer, 22 currencies, worldwide address search, international phone numbers, and localized donation prompts. |
The GitHub project now also includes the official product banner, an animated application tour, nine full-resolution workflow screenshots, detailed feature documentation, targeted repository topics, and a Ko-fi Sponsor link.
- 100% offline and private. No cloud account, no remote server and no analytics. An optional local profile login can protect access at startup.
- Free forever, no catches. No trial, no paywall, no locked features. A voluntary donation is the only ask.
- Built for the field. Webcam capture, signatures, ID documents, SMS reminders and a collection calendar designed for daily rounds.
- Cent-exact money. Every schedule is computed with Decimal math, reconciled to its totals, and never drifts on rounding.
- Truly international. 22 currencies (USD, EUR, PHP, GBP, CHF, INR and more), worldwide addresses, international phone numbers, and donation prompts localized in 17 languages.
- Apple-grade UI. A calm, dense, professional workspace in light or dark theme — no marketing fluff, built to work in.
| Area | What it does |
|---|---|
| Dashboard | Live portfolio overview: active capital, interest collected, default rate, total clients, today's collections and recent payments. |
| Clients | Full borrower profiles with photo, rating, contact, monthly income, debt-to-income (DTI) ratio, documents and loan history. |
| Loans | Fixed-rate and declining-balance schedules, daily/weekly/biweekly/monthly frequencies, disclosed fees, net disbursement, effective APR, status tracking, extensions and rollovers. |
| Payments | Partial payments with smart allocation, voids with audit trail, multiple methods (cash, GCash, bank transfer, check). |
| Collections | Monthly calendar of due dates, "who pays on day X" analytics, and monthly earnings trends. |
| Penalties | Per-loan penalties with reason, notes and status, rolled into the client balance. |
| Risk & recovery | PAR 1/30/60/90, aging buckets, portfolio yield, post-default recovery rate and collector performance. |
| Security | Optional local login at startup, PBKDF2 password hashing, session locking, structured guarantors/co-makers with signatures and collateral lifecycle tracking. |
| Alerts & SMS | Automatic overdue detection with severity tiers, one-tap SMS via Twilio or Semaphore, and editable templates. |
| Commissions | Track referral commissions between clients and mark them paid. |
| Documents | Attach contracts, IDs and files per client; rename or delete; batch-print selected documents. |
| Exports | One-click Excel workbooks (full or selective) and professional PDFs: contracts, receipts, amortization schedules. |
| Backup | Automatic local backup on every close, manual backups, Google Drive sync, and point-in-time restore. |
| Profiles | Multiple isolated profiles (e.g. separate lenders), each with independent password and optional login-at-startup policy. |
Onboarding a borrower takes seconds. From any client profile you can capture identity material directly from the Mac camera:
- Profile photo — a live camera window opens; press Space to capture, Esc to cancel.
- ID document photo — same live capture flow, saved as the client's ID.
- Digital signature — a touch/mouse signature pad records the borrower's handwritten signature.
- Document uploads — attach arbitrary files (contracts, collateral photos, utility bills).
Captures are stored locally per client and appear in their document vault and on generated PDFs. The camera runs in its own process so it never interrupts the app, and nothing is ever uploaded.
Choose from 22 currencies — USD, EUR, PHP, GBP, CAD, AUD, CHF, JPY, SGD, HKD, AED, SAR, INR, THB, MYR, IDR, VND, KRW, ZAR, MXN, BRL, NZD — with correct zero-decimal handling for JPY, KRW, VND and IDR. The selected currency flows consistently through the UI, SMS, PDF contracts, receipts and Excel exports. Donation prompts are available in 17 languages, while worldwide address search and international phone numbers make the application usable across countries.
The animated tour plays at the top of this page. Click any image for full resolution; the complete set is in docs/SCREENSHOTS.md.
Dashboard overview |
 Loan agreements |
 Payment history |
 Collection calendar & earnings |
Client profile & camera |
 Currencies & languages |
One command — downloads the latest DMG, validates its SHA-256 checksum, verifies the signature, and installs into ~/Applications:
curl -fsSL https://raw.githubusercontent.com/aston76/lending-pro-freeware/main/install.sh | bashOr download the Apple Silicon DMG from Releases, open it, and drag Lending Pro Freeware into Applications. The app is ad-hoc signed but not Apple-notarized; on first launch Control-click the app, choose Open, then confirm.
It starts with an empty personal database. Use Try demo in the toolbar to load temporary fictitious data; leaving demo mode or restarting returns to your own data.
Requirements: Python 3.11+, Node.js 22+, and the native dependencies required by pywebview.
python3 -m venv .venv
source .venv/bin/activate
python -m pip install -r requirements.txt -r requirements-dev.txt
npm ci
npm run build:css
python main.pyQuality gates:
npm run check # Python compile + JS syntax
npm test # pytest suite; automatically uses .venv/venv when presentThe same checks run on every push and pull request via GitHub Actions.
The latest end-to-end verification record is available as a GitHub-readable audit and a self-contained portable report.
- No telemetry, no analytics, no tracking. Nothing about you or your clients is ever sent anywhere.
- Client records, settings, photos and signatures stay in the local application data directory.
- Databases, exports, backups, credentials, logs and build artifacts are excluded from Git.
- Map, SMS, Google Drive and donation links use the network only when you actively use that feature.
See SECURITY.md for responsible vulnerability reporting.
Independent lenders and moneylenders, microfinance agents, cooperatives, pawnshops, salary-deduction lenders, informal credit groups, and anyone who needs a reliable, private, professional way to track loans and collections — without paying monthly for a cloud SaaS.
Lending Pro Freeware is free forever. If it helps your business, a donation of €5 or more on Ko-fi keeps it maintained. The dashboard keeps a Don button; the gentle reminder appears at most weekly, or every 90 days after you confirm a donation, and stays entirely on your device.
Bug reports and focused pull requests are welcome. Read CONTRIBUTING.md before submitting a change.
Released under the MIT License. Copyright © 2026 Aston Swiss App.
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