Min-IT LMS
Loan management at the centre — accounts, balances, schedules, events. Every other module is built on this core. Versioned, audited, exportable.
Platform · The whole lending lifecycle
One platform. The whole lending lifecycle.
From application capture to write-off, Min-IT manages every transaction, document, and disclosure the Consumer Credit Code asks of you — and a lot it doesn't.
Data model
Inside a Min-IT loan record.
Every loan in Min-IT lives as one connected record — borrower, contract, schedule, events, audit. No data silos between modules.
01
Account state
Principal, balance, maturity, interest method, fee schedule, rate history. Versioned — every change is reversible to audit.
02
Payment ledger
Every receipt, dishonour, reversal and adjustment in one timeline. Direct debit, BPAY, EFT and Zepto reconciled overnight.
03
Compliance events
NCC notices, s72 hardship, statements, default notices — generated, sequenced and stored against the account. No spreadsheets, no parallel systems.
04
Audit trail
Every change, every user, every timestamp. Exportable to regulator on request. Same record the borrower portal reads from.
05
Linked entities
Borrower, co-borrowers, guarantor, security, broker, originating channel — joined to the loan, not duplicated across modules.
Platform modules
Five products. One core.
Every module shares the same data model — no integrations between Min-IT modules, no duplication of data. Activate the ones your operation needs.
Loan Origination (CRM)
Application capture, decisioning, document collection, e-signing. Configurable workflows for consumer credit, vehicle finance, vendor and commercial.
Integrated Payments
Direct debit, BPAY, EFT and Zepto — settled and reconciled overnight. Failed-payment workflows, retry schedules and adverse-repayment reporting built in.
Self-Service Member Portal
Borrowers manage payments, hardship requests and statements themselves. White-label your brand. Same record the LMS reads from — no separate sync.
Compliance Built In
NCCP, NCC, Privacy Act and CDR enforced at the engine — not bolted on as a plugin or a checklist. Notice sequencing, hardship handling, audit-grade event logs.
The lending lifecycle
From application to write-off, fully connected.
Step 1
Origination
Step 2
Underwriting
Step 3
Disclosure
Step 4
Servicing
Step 5
Collections
Step 6
Closeout
Cross-cutting: Audit trail · Reporting · Integrations · Document generation
Integrations & API
Plays well with the rest of your stack.
REST API for everything in the system. Pre-built connectors for the tools Australian lenders already use — credit bureaus, identity, payments, accounting, BI.
- Equifax
- illion
- GBG Green ID
- TaleFin
- Credit Sense
- Ezidebit
- Zepto
- BPAY
- DocuSign
- Xero
- AWS
- Microsoft
Get started
Ready to modernise your lending operation?
See Min-IT in action with a tailored 30-minute walkthrough. No pressure, just answers.