GuavaLend: The Loan-Management Platform You Buy Once Instead of Renting Per Loan
The same products, origination, underwriting, servicing, accrual and collections as the hosted platforms, set up once, owned by you, running on a ~$35/month server instead of a base fee plus a per-loan meter.
Loan-management software is rented, and the meter is unusually punishing: a monthly base fee plus a charge per active loan or per user, on top. The market publishes almost no pricing, but independent 2026 comparisons and reseller quotes put LoanPro near a $1,500/month base plus a per-loan fee, and TurnKey Lender commonly at $2,500–$5,000 a month for a small-to-mid lender. Mambu and nCino are core-banking platforms in the six figures a year. Your book grows and the software bill grows with it.
GuavaLend is the opposite model. WhiteGuava sets it up on your own cloud, configures it to your loan products, accrual conventions and regulator, hands it over, and then it is yours: no per-loan meter, no per-user licence, no renewal, and the only ongoing cost is roughly $35 a month for the server. It covers the whole lending job, configurable loan products, application capture and origination, scorecard and rule-based underwriting, disbursement, EMI and custom repayment schedules, daily interest and penalty accrual to a ledger, part-payment and restructuring, ageing and collections queues, a borrower portal, and regulatory reporting, plus an AI assistant built directly in.
Loan-management platforms bill a base fee plus a charge per active loan or per user, so the software bill grows as your book grows. GuavaLend is a one-time setup, then about $35/month for the server (roughly $2,100 over five years), flat regardless of loan count. It covers products, origination, underwriting, servicing, accrual and collections, with an AI assistant and portfolio risk flags included.
What a per-loan meter is really charging you for
Repayment schedules, accrual and collections are mature and broadly the same across the serious platforms. What the base-plus-per-loan price rents is hosting, the vendor’s margin, and a licence that scales precisely with the size of your book, the one number a lender most wants to grow.
The model also assumes a US-shaped product. Accrual conventions, sanction-letter formats, statutory report layouts and messaging channels are hard to bend, and the decisioning and analytics that would tell you where your risk is concentrated sit in the enterprise tier.
Every option, side by side
This is the price picture from independent estimates, annualised, with the basis each one scales on. The final column divides each annual total by GuavaLend’s ~$520/year server-and-AI cost.
| Platform | Basis | Per year (est.) | AI | vs GuavaLend |
|---|---|---|---|---|
| GuavaLend (self-hosted) | flat server | ~$520 | Built in (~$3–5/mo usage) | N/A |
| Bryt | small lenders | ~$324 | No | 0.6× |
| LoanPro | base + per active loan | ~$18,000+ | Partial | 35× |
| TurnKey Lender | small-to-mid | ~$36,000 | Decisioning AI | 69× |
| Mambu | core platform | ~$120,000 | Partial | 231× |
| nCino | lending cloud | ~$150,000 | Partial | 288× |
Bryt is cheaper at a very small scale, with a correspondingly limited feature set and no AI. Everything with real servicing depth carries a base fee and a per-loan meter, and GuavaLend replaces both with a flat server cost.
How a loan is tracked, day by day
Every module feeds one loan ledger and an accrual engine that runs interest and penalties daily, on your cloud. The diagram shows the layers, where people work, the lending modules, the ledger and accrual, automation and AI, and your cloud.
Everything GuavaLend does out of the box
Every module below is part of GuavaLend from day one, including the borrower portal and reminder messaging that hosted platforms sell as add-ons. Explore what each covers, then check the feature matrix.
Apply to close, working
This is the life of a loan in GuavaLend. Every event posts to the same ledger, so the book is always current and the collections queue is always right.
What renting TurnKey Lender, LoanPro or nCino will never give you
Feature lists converge. What separates an owned lending platform from a rented one is structural, whether the licence scales with your book, where the loan data lives when a regulator asks, and whether the rules fit how you actually lend.
The AI is built in, not an analytics or decisioning tier
WhiteGuava adds the AI features a lending team actually uses straight onto GuavaLend as a custom module:
- Draft with AI, writes borrower notices, overdue reminders and responses to portal requests from the account’s own history.
- Summarize, collapses a borrower account (loans, payments, promises, disputes) and its current risk picture into a short brief.
- Ask AI, answers portfolio questions in plain English (total overdue, exposure by product, concentration by region) within each user’s branch and product access.
- Risk flags, marks accounts whose payment behaviour is trending toward default, with the signals shown, for a collections officer to act on.
The portfolio intelligence that tells you where your risk sits is exactly what the hosted platforms reserve for their enterprise tier. Because GuavaLend’s source is yours, it runs on a few dollars a month of API usage.
GuavaLend is one of ten applications in the Guava Product Suite, the same buy-once, own-it model applied to accounting and the general ledger, borrower relationships and enquiries and the low-code platform underneath.
Who GuavaLend is built for
GuavaLend is the right call for lenders that want to own the system their book runs on:
- NBFCs, microfinance institutions, and digital lenders that do not want the software bill tied to originations.
- Lenders with data-residency or regulatory requirements about where the loan book is stored.
- Businesses with loan products, accrual conventions or statutory formats that a US-shaped hosted platform cannot express.
- Lenders that want portfolio-level AI without a six-figure decisioning module.
- Anyone who has modelled five years of a base fee plus a per-loan meter against their growth plan.
How you get GuavaLend
It is a one-time engagement, not a subscription:
- WhiteGuava deploys GuavaLend on your cloud account (Azure, AWS or your choice), branded for your business.
- We configure your loan products, rate and fee rules, accrual conventions, underwriting scorecards, approval limits, sanction and statement formats, collections rules, messaging channels and roles, migrate your live book, and switch on the AI module.
- We hand over full admin access, the database and documentation. From that point the software is yours.
- Ongoing, you pay only for the server, around $35 a month, plus a few dollars of AI usage. Support and future changes are optional.
A TurnKey Lender-class contract: roughly $180,000 over five years, rented, and rising as the book grows. GuavaLend: a one-time setup, then about $2,100 in server cost over the same five years, flat regardless of loan count.
Want a lending platform your business owns outright?
WhiteGuava sets up GuavaLend on your cloud, configures your products and accrual rules, migrates your book, switches on the AI, and hands it over. One-time setup, then about $35 a month with no per-loan meter.
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