CreditHelper
An end-to-end loan-management platform for lenders — the full loan lifecycle, an interest engine, automated invoicing and reminders, and direct-debit collection that reconciles itself.
01Overview
CreditHelper handles the entire life of a loan for a lender — from origination through repayment, interest, invoicing and collection — on a clean, modern Django codebase with a full audit trail behind every action. The standout piece is its GoCardless direct-debit integration, which collects and reconciles payments automatically, even when the money arrives without a usable reference.
02The problem it solves
Lending is full of fiddly, error-prone bookkeeping: building repayment schedules, computing regular and late interest correctly, generating invoices on time, chasing missed payments, and — the genuinely hard one — matching incoming bank payments back to the right loan when the debtor forgot the reference number or paid an odd amount. CreditHelper automates that lifecycle and, crucially, makes reconciliation work even when the data is messy.
Result a lender's entire book runs itself — and the cash actually reconciles, even when the reference is missing.
03What we built
Loan lifecycle
Origination with flexible terms, automated payment schedules, and full history on every loan so its complete story is always available.
Interest engine
Regular and late interest with configurable rules, including historical recalculation when terms or timing change — so the numbers stay correct retroactively, not just going forward.
Invoicing
Automatic invoice generation with customizable templates and batch runs, so a whole book can be invoiced in one pass.
Notifications
Automated, multi-channel reminders and alerts that chase due and overdue payments without manual effort.
GoCardless direct debit
This is where the real work is. CreditHelper collects via GoCardless and then performs intelligent payment matching: it stores debtor names pulled from the Bank Account Data API so it can match a payment to the right loan even without a reference number, does robust and flexible amount matching (down to partial and small amounts), supports partial payments, and reconciles automatically.
04Compliance & architecture
Every action is captured on a full audit trail for compliance. The codebase is modern Django with clean separation across loans, invoices and users — the kind of structure that keeps a financial system maintainable as rules and edge cases accumulate.
05Tech
06Highlights
- Full loan lifecycle: origination, flexible terms, automated schedules and complete history.
- Interest engine with regular and late interest, configurable rules and historical recalculation.
- Automatic, templated, batchable invoicing and multi-channel reminders.
- GoCardless direct debit with payment matching that works even without a reference number, using debtor names from the Bank Account Data API.
- Robust amount matching with partial-payment support and automatic reconciliation.
- Full audit trail and compliance, on a clean modern Django codebase.