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Frappe Lending
What it is
Frappe Lending is an open-source loan management system for financial institutions, NBFCs, and lenders. It brings loan origination, disbursements, repayments, and accounting into one system, supporting home loans, business credit, consumer loans, term loans, and lines of credit. Users can define loan products with interest rates and repayment schedule types, and track collateral, guarantees, and securities linked to loans. The product describes automated days-past-due tracking, non-performing asset classification, and regulatory reporting, along with integrated ledgers, invoicing, and tax handling. It also includes co-lending and loan transfer capabilities, custom workflows, and role-based permissions. Frappe describes it as customizable and API-first, with end-to-end REST API compatibility. The free self-hosted option is licensed under GPL-3.0. Frappe Cloud Sites cost $5 a month onwards and include managed upgrades and backups on shared servers, with no per-user pricing. The cloud offering provides 14 days of free access; a Frappe Cloud plan is required afterward to continue using the site. Bug-fix support is handled through support tickets, while functional support is excluded from Product Warranty.
For and against
For
- Covers origination, disbursements, repayments, and accounting.
- Tracks collateral, guarantees, and securities.
- Includes custom workflows and role-based permissions.
- Free self-hosted option under GPL-3.0.
- Cloud Sites include managed upgrades and backups.
Against
- Cloud access requires a paid plan after 14 days.
- Functional support is excluded from Product Warranty.
- Frappe Cloud Sites use shared servers.
The verdict
Frappe Lending brings core loan operations, accounting, risk tracking, and APIs together for lenders. It offers a free self-hosted route or cloud sites from $5 a month onwards, with functional support excluded from Product Warranty.
Who it suits
Frappe Lending is designed for financial institutions, NBFCs, and lenders managing loan operations. It offers self-hosting or Frappe Cloud Sites, though cloud continuation after the 14-day access period requires a plan.
Plans and prices
Self-host
own server · installation scripts · GPL-3.0 licensed
Read 15 Oct 2026 · frappe.io
Frappe Cloud Sites
single site · shared servers · managed upgrades and backups · no per-user billing
Read 15 Oct 2026 · frappe.io
Frappe Cloud Servers - Hetzner
virtual machine · multiple sites and benches · shared or dedicated instances · unified or separate app and database
Read 15 Oct 2026 · frappe.io
Frappe Cloud Servers - Dedicated
dedicated server isolation · snapshots · autoscaling · global data-centre locations
Read 15 Oct 2026 · frappe.io
Self-hosted
Self-host using installation scripts · GPL-3.0 licensed
Read 28 Sep 2026 · frappe.io
On the record
- Access controls
- Frappe Lending supports custom workflows and role-based permissions.frappe.io · read 28 Sep 2026
- Accounting
- Frappe Lending automates disbursement, accrual, repayment, penalty and suspense entries and provides trial-balance, balance-sheet, profit-and-loss and loan-ledger reports.frappe.io · read 15 Oct 2026
- Accounting and tax
- Frappe Lending describes integrated ledgers, invoicing, and tax handling as built-in capabilities.frappe.io · read 28 Sep 2026
- API
- The product is described as end-to-end REST API compatible, and its API documentation shows POST endpoints for invoices, repayments and charge calculations.docs.frappe.io · read 15 Oct 2026
- API and customization
- The product is described as API-first and customizable, and the documentation says it is end-to-end REST API compatible.docs.frappe.io · read 28 Sep 2026
- API example
- The documented charge workflow uses POST /api/resource/Sales Invoice and POST /api/method/lending.loan_management.doctype.loan_repayment.loan_repayment.calculate_amounts.docs.frappe.io · read 15 Oct 2026
- Billing and taxation
- Billing features automate charge application, invoicing, interest calculations and tax handling.frappe.io · read 15 Oct 2026
- Bug complaint
- A forum report described a fully repaid loan still showing the original debt when the user tried to close it.discuss.frappe.io · read 15 Oct 2026
- Co-lending
- Co-lending workflows configure lender contributions, interest splits, repayment allocation and accounting entries.frappe.io · read 15 Oct 2026
- Collateral
- Collateral can be categorized, assigned to loans, released, price-tracked and monitored for shortfalls.frappe.io · read 15 Oct 2026
- Company founded
- Frappe says it was founded in 2008 after its founder built an ERP system for a family business.frappe.io · read 15 Oct 2026
- Company headquarters and size
- LinkedIn lists Frappe as headquartered in Mumbai, India, with 51–200 employees and a 2008 founding year.linkedin.com · read 15 Oct 2026
- Company ownership
- Frappe says it received backing from Zerodha in 2020, while Crunchbase lists it as a private, for-profit company.frappe.io · read 15 Oct 2026
- Documentation complaint
- Another forum user said parts of the lending documentation were missing and asked how to structure an employee loan.discuss.frappe.io · read 15 Oct 2026
- Documentation depth
- The documentation includes introduction, feature guides, migration instructions and endpoint-level API examples.docs.frappe.io · read 15 Oct 2026
- Extensibility
- Frappe Framework supplies Python and JavaScript application development, authentication, database abstractions, REST APIs, workflows and server scripts.docs.frappe.io · read 15 Oct 2026
- Implementation
- Frappe recommends contacting an official partner for consultation and implementation support.frappe.io · read 28 Sep 2026
- Integrations
- The eKYC India app provides two-way Digio integration for Aadhaar identity checks, electronic signatures and webhook status updates.docs.frappe.io · read 15 Oct 2026
