Total Portfolio
—
Outstanding balance
Active Loans
—
Currently active
Collected (MTD)
—
This month to date
Past Due (30+)
—
—
Past Due Accounts
—
30+ days delinquent
Delinquency Rate
—
Past due ÷ active
Portfolio by Loan Type
Quick Stats
Avg Loan Size$16,800
Avg Interest Rate18.4% APR
Avg Term28 months
Net Interest Income$88,410
Loss Reserve$14,200
Charge-offs (YTD)$8,100
Monthly Collections
Delinquency Aging
Current242 loans
1–30 days28 loans
31–60 days11 loans
60+ days6 loans
Recent Loan Activity
| Loan # | Borrower | Type | Amount | Balance | Next Due | Status |
|---|
| # | Borrower | Type | Principal | Balance | Rate | Payment | Next Due | Days Past Due | Status |
|---|
Loan Accounts / Detail
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Payoff Amount (Today)
$0.00
Good through: —
Loan Progress0%
Originated: $0
Remaining: $0
Co-Borrowers
Borrowers / Detail
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—
—
—
0
Loans
$0
Total Balance
—
Credit Score
Employer
Banking (EFT / PAD)
Note History
Account Promises
Emergency Contacts
Application
2
Underwriting
3
Approval
4
Disclosure
5
Funding
New Application
Applications Pipeline
No pending applications yet
Credit Decision Engine
Min. Credit Score580
Max DTI Ratio45%
Max LTV (Secured)80%
Auto-Approve Threshold720+
Auto-Decline ThresholdBelow 500
| Photo | Borrower | SSN / ID | Phone | Credit Score | Active Loans | Total Balance | Risk Level | Status | |
|---|---|---|---|---|---|---|---|---|---|
| Loading borrowers… | |||||||||
Collected Today
—
—
This Month (MTD)
—
—
Total Payments
—
All-time records
Showing
—
After filters
Payment History
| Date | Borrower | Loan # | Amount | Principal | Interest | Fees | Method | Status |
|---|---|---|---|---|---|---|---|---|
| Loading… | ||||||||
Upcoming Payments (7 days)
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All promises made by borrowers across the company. Filter by due or created date, then follow up with the Call / Text buttons.
Pending
—
Completed
—
Failed
—
Total
—
Pending
Completed
Failed
Promises
| Loan | Name | Title | Amount | Created | Due | Status | Follow-up |
|---|---|---|---|---|---|---|---|
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Loans with a payment due in the selected range. Use Call / Text to remind borrowers, or Remind to open Zoom SMS with the right message copied to your clipboard.
Results
—
Total Principal
—
Total Interest
—
Amount Due
—
Principal
Interest
Scheduled Payments
| Loan | Due Date | Borrower | Co-Borrower | Amount | Interest | Principal | Collateral | Follow-up |
|---|---|---|---|---|---|---|---|---|
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Cash In (Shift)
$0.00
—
Cash Out (Shift)
$0.00
—
Current Balance
$0.00
Running total
Shift Opened
—
—
Daily Summary
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Transaction Log
0 transactions
| Time | Type | Description | In | Out | Balance |
|---|---|---|---|---|---|
| No shift open — open a shift to begin | |||||
Opening Denominations
Open a shift to see denomination breakdown
Shift History
No past shifts
Delinquent Accounts
—
Past due loans
Total Past Due
—
Overdue installments
Collected (MTD)
—
All payments this month
Hardship Programs
—
Not yet tracked
Collections Queue
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Hardship Programs
Hardship programs aren't tracked yet. This feature is coming later.
Document Library
| Document | Type | Loan | Borrower | Date | Status |
|---|---|---|---|---|---|
| Loading… | |||||
These rules control the delinquency engine that runs every 6 hours. Toggles take effect on the next sweep.
Automation Rules
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Automation Log
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YTD Collections
—
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Total Portfolio
—
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Charge-offs (YTD)
—
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Portfolio Growth (2026)
Collections by Type
Loan Calculator
Results
Monthly Payment
$0
Total Interest
$0
Total Cost
$0
APR (Effective)
0%
Amortization Schedule
Define your loan products — rates, terms, fees, and delinquency rules. Each loan uses its product's settings, and the automatic late-fee / NSF engine reads these values. Editing a product changes future automated charges.
Loan Products
| Product | Type | Amount range | Rate / Cost | Late fee | NSF | Status | Options |
|---|---|---|---|---|---|---|---|
| Loading… | |||||||
Company Information
Change Password
Notifications
Payment due reminders
Late payment alerts
Weekly portfolio summary
New application alerts
Regulatory report reminders
Users & Roles
| Name | Role | Status | ||
|---|---|---|---|---|
| Loading… | ||||
ON
Ontario Payday Loans Act, 2008 — Compliant
Federal Criminal Code s.347.1 · Max $14 per $100 borrowed · Max $1,500 · Max 62 days · Effective Jan 1, 2025
Compliant · Active
Licence # CPBL-2024-ON-00142
Active Payday Loans
—
All within 62-day limit
Outstanding Balance
—
—
Due Today
—
—
In Cancellation Window
—
2 business days to cancel
New Ontario Payday Loan
$14 per $100 · PLA 2008
Borrower
Loan Terms
Calculated automatically per Ontario PLA
Must be disclosed per PLA s.10
⚖ Required Disclosures — Ontario Payday Loans Act, 2008
• Cost of borrowing: — (at $14 per $100 borrowed)
• Annual Percentage Rate: —
• Due in full on: — (your next scheduled payday)
• You have 2 business days to cancel this agreement without penalty
• NSF / dishonoured payment fee: $20 (max, one time only)
• Overdue interest after due date: 2.5% per month on outstanding balance
• No rollover — you may not take a new loan with us until this one is repaid in full
• Loan amount cannot exceed 50% of your net pay (—)
Live Loan Summary
Enter principal and borrower details to see summary
Loan Timeline
1
Loan Issued
Date not set
2
Cancellation Window Closes
2 business days after issue
3
Full Repayment Due
Next payday — not set
!
Overdue Interest Begins
2.5%/month on unpaid balance after due date
Ontario PLA Compliance Check
Principal ≤ $1,500—
Fee ≤ $14 per $100—
Term ≤ 62 days—
Amount ≤ 50% net pay—
Borrower selected—
Due date = next payday—
APR disclosed—
No existing open loan✓ Clear
Active Ontario Payday Loans
38 loans · $22,400 outstanding
| Loan # | Borrower | Principal | Fee ($14/$100) | Total Due | Issue Date | Due Date (Payday) | Days Left | Disbursed Via | Status | Actions |
|---|
Cancellations (2-Day Window)
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DS
DigiSigner — Send Documents for Signing
REST API v1 · Upload Document → Add Signers → Place Fields → Send · Legally Binding eSignatures
Connected · TEST Mode
api.digisigner.com/v1
Document
2
Signers
3
Fields
4
Review
5
Send
New Signature Request
Step 1 — Document
Step 2 — Signers
Step 3 — Signature Fields
Select which fields each signer must complete. DigiSigner places these at standard positions on the document.
Step 4 — Options
Send email invitations
Redirect after signing
Embed signing on this page
Send as document bundle
Request Preview
JSON Payload
{
"documents": [
{
"document_id": "...",
"subject": "Please sign your loan documents",
"message": "Please review and sign ...",
"signers": [
{
"email": "borrower@email.com",
"fields": [
{ "type": "SIGNATURE", "page": 0, "rectangle": [50,700,200,60] },
{ "type": "DATE", "page": 0, "rectangle": [300,700,150,40] },
{ "type": "INITIALS", "page": 1, "rectangle": [50,750,100,40] }
]
}
]
}
]
}
Embedded Signing
DigiSigner API Log
[ready] DigiSigner API client initialized · Base URL: api.digisigner.com/v1
DS
Signature Tracker — All Requests
Real-time status · GET /v1/signature_requests/{id} · Audit trail · Download signed copies
Total Sent
24
This month
Awaiting Signature
8
Pending
Fully Signed
14
Complete
Declined / Expired
2
Needs action
DS
Document Templates
Pre-configured loan documents with signature fields · One-click send · TILA compliant
Loan Agreement
Standard loan contract for all loan types. Includes all required disclosures.
Signature
Initials
Date
2 signers · 4 pages · Last used Jun 18
TILA Disclosure
Truth in Lending Act disclosure. APR, finance charge, total payments.
Signature
Date
✓ Checkbox
1 signer · 2 pages · Federal requirement
Ontario Payday Agreement
PLA-compliant agreement. Fee, APR, due date, cancellation rights included.
Signature
Date
✓ Acknowledged
1 signer · 1 page · Ontario PLA 2008
Car Title Lien Assignment
Vehicle lien assignment form. VIN, registered owner, lender details.
Signature
Initials
Text Fields
2 signers · 3 pages
Home Equity Agreement
HEL/HELOC agreement with property lien, LTV, and repayment schedule.
Signature x3
Initials x4
Date
3 signers · 8 pages
Pawn Ticket
Pawn receipt with item description, appraised value, redemption period.
Signature
✓ ID Verified
1 signer · 1 page
Hardship Modification
Loan modification agreement — rate reduction, deferral, or term extension.
Signature
Date
✓ Agreed
2 signers · 2 pages
Payoff Letter
Official payoff confirmation with lien release authorization.
Lender Sign
Date
1 signer (lender) · 1 page
DS
DigiSigner API Configuration
REST API · HTTP Basic Auth · api.digisigner.com/v1 · TEST → PROD mode
API Reachable
API Credentials
Found in DigiSigner account → Settings → API Key
DigiSigner will POST signing events to this URL
Automation Rules
Auto-send agreement on loan creation
Send TILA with every consumer loan
Auto-remind signers after 48 hours
Void unsigned after 30 days
Send signed copy to borrower email
Save signed PDF to Documents tab
API Usage (MTD)
Documents uploaded24
Signature requests sent24
Documents signed14
API credits used24 / 100
Credits remaining76
API Request Log
[Jun 19 10:32] POST /v1/documents file=loan_agreement_L0001.pdf → 201 {"document_id":"5be88823..."}
[Jun 19 10:32] POST /v1/signature_requests signer=james.r@email.com → 201 {"signature_request_id":"sr_291f..."}
[Jun 18 14:11] GET /v1/signature_requests/sr_291f... → 200 status=SIGNED
[Jun 18 09:00] POST /v1/documents file=tila_disclosure_L0003.pdf → 201 {"document_id":"a3c12b..."}
[Jun 17 16:45] POST /v1/signature_requests signer=sara.m@email.com → 201
[Jun 17 16:46] GET /v1/signature_requests/sr_445a... → 200 status=PENDING
[Jun 16 11:30] DELETE /v1/signature_requests/sr_102c... (voided) → 204