How Freebird works

Freebird Loan Management Software — From Origination to Repayment

Freebird gives lenders one clear workflow. Manage onboarding, EMI schedules, reminders, collections, and reports in one place.

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  1. The workflow
  2. 01Onboard the borrower
  3. 02Configure the EMI schedule
  4. 03Automated reminders go out
  5. 04Borrower pays
  6. 05Track and report

Step 01

Loan Origination

Step 02

EMI Management

Step 03

Smart Reminders

Step 04

Mobile Apps

Step 05

Analytics & Reports

The 5-step workflow

From onboarding to reporting, in one flow

Every borrower moves through the same predictable path — Freebird runs each step so you don't have to.

  1. Borrower KYC

    Profile complete

    Status92%

    Aadhaar + PAN verified

    01

    Onboard the borrower

    Add borrower details, ID proofs, and loan terms on web or mobile. Run an optional credit check in seconds.

  2. EMI Schedule

    Next due

    Status15 Dec

    Flat loan · 12 EMIs

    02

    Configure the EMI schedule

    Set loan amount, interest rate, and tenure. Freebird creates clear repayment schedules for single or group loans.

  3. Reminder Sent

    WhatsApp + SMS

    StatusT-2

    UPI link attached

    03

    Automated reminders go out

    Freebird sends WhatsApp and SMS alerts with UPI pay links before and on the due date. All alerts are logged.

  4. Payment Received

    via UPI

    Status₹3,200

    Auto-reconciled

    04

    Borrower pays

    Borrowers pay with one tap via UPI, auto-debit, or cash to field agents. Every payment matches the loan record right away.

  5. Portfolio Report

    Collection rate

    Status92%

    Excel + PDF ready

    05

    Track and report

    Track daily cash flow, overdue accounts, and collection rates live. Export clean reports to Excel or PDF anytime.

Prefer to watch? Here's the 7-min tour.

A quick walkthrough of how lenders use Freebird end-to-end.

What happens at each step

Follow the borrower journey below. Add Superkey only if you finance phones or devices.

Manual follow-ups take hours each week. As loan books grow, sheets lead to missed payments. Freebird automates the entire flow for you.

Step 01

Onboard the Borrower

Start with one clean borrower profile before lending money.

  • Save profiles, IDs, and loan terms

    Enter borrower details, phone numbers, ID cards, and guarantor contacts on mobile or web.

  • Fast credit bureau checks

    Run credit bureau score checks before loan approval to cut lending risk.

See money lender workflows

New borrower

Rajesh Kumar · KYC review

92%
Borrower profileComplete
KYC documentsVerified
Credit bureau checkOptional

Loan terms are captured before the first EMI is created.

Step 02

Create the EMI Schedule

Turn approved loans into clear repayment plans.

  • Work out EMI dates and amounts

    Freebird sets exact payment dates and amounts based on loan size, rate, and tenure.

  • Support multiple loan styles

    Set up flat rate, reducing balance, single, or group loans without messy sheets.

Compare loan software pricing plans

EMI schedule

₹5,000/mo

15 Dec

EMI 01

Ready
15 Jan

EMI 02

Scheduled
15 Feb

EMI 03

Scheduled

Step 03

Send Reminders Before the Due Date

Freebird sends borrower payment reminders on auto-pilot before every due date.

Automated alerts keep repayments on track. Every message is saved for a clean audit trail.

  • T-3, T-1, and due-date alerts

    Send automated WhatsApp and SMS alerts 3 days before, 1 day before, and on the due date.

  • One-tap UPI payment link

    Each reminder includes a direct UPI pay link. The loan record updates right away once paid.

Explore WhatsApp loan reminders

WhatsApp reminder sent

Rajesh Kumar · Loan #1284

"Hi Rajesh, your EMI of ₹5,000 is due in 2 days. Pay via UPI: freebird@upi"
UPI link attached

₹3,200 received

via UPI · just now

Step 04

Collect and Match the Payment

Collect payments online or through field staff without manual work.

  • UPI, auto-debit, or field collection

    Accept instant UPI payments, set up auto-debit, or log cash collected by field agents in the app.

  • Instant payment matching

    Payments match directly to each loan account, saving hours of manual data entry.

Explore field collection for MFIs

Pending collection

₹45,697.73

12%

Today's Collections

₹12,450

Overdue

₹1,81,402

On-time payments18
Late payments3

₹3,200 received

via UPI · just now

Step 05

Track, Report, and Keep Everyone Aligned

Give your team and borrowers real-time updates on every loan.

Live dashboards show daily collections and overdue accounts from day one.

  • Real-time loan dashboards

    Track daily collections, overdue loans, cash flow, and loan book health in one place.

  • Receipts and one-click exports

    Send instant payment receipts to borrowers. Export Excel or PDF reports for audits anytime.

Explore audit workflows for NBFCs

Portfolio health

92%

Export

Excel + PDF

Audit log

Ready

Optional add-on

Add Superkey When You Need Device Security

Protect EMI device loans with smart phone locking.

For phone and device finance, Superkey locks phones when an EMI is late and unlocks them upon payment.

  • Optional Android device locking

    Superkey locks overdue phones automatically and shows a clear payment screen.

  • Auto-unlock on payment

    The device unlocks instantly the moment the borrower pays via UPI or auto-debit.

See Superkey Android device locking

EMI payment needed

Device unlocks automatically after payment.

Due amount₹5,000
StatusGrace period
Pay to unlock
Rule-based lock

Everything you need, mapped to the workflow

Six essentials that cover the five steps end-to-end.

Step 01

Loan Origination

Digital loan forms with fast KYC and credit bureau checks.

Step 02

EMI Management

Clear payment plans for flat rate, reducing balance, and group loans.

Step 03

Smart Reminders

WhatsApp and SMS alerts on a T-3, T-1, and due-date schedule.

Step 04

Mobile Apps

Apps for borrowers and field agents with offline cash logging.

Step 05

Analytics & Reports

Real-time dashboards and one-click Excel or PDF exports.

Cross-cutting

Trust & Security

Bank-grade AES-256 security, biometric login, and full audit logs.

Access Freebird Across Platforms

Use Freebird on web or mobile through our official applications.

Web App

Browser-based dashboard

Open Web App

Android App

Google Play Store

View on Play Store

iOS App

Apple App Store

View on App Store

Always access Freebird through official links only.

Setup & integration questions

The stuff prospective customers ask us most on the first call.

Can I import loans from an existing spreadsheet?

Yes. Freebird lets you import data from Excel or Google Sheets in one click. Our team helps map your columns so no data gets lost.

How does Freebird integrate with our UPI or auto-debit provider?

Freebird includes built-in UPI payment links and connects with major auto-debit networks. We help set up your payment method during onboarding.

What happens to WhatsApp reminders if a borrower hasn't saved our number?

Reminders use official WhatsApp Business APIs. Borrowers get them even without saving your number. Freebird also sends SMS reminders as a backup.

Can the field-agent app work without connectivity?

Yes. Field agents can log cash collections and check loan details offline. All data syncs automatically when they reconnect.

How long does data migration take when we onboard?

Individual lenders can start the same day. MFIs and NBFCs with large loan books usually finish full setup and staff training in one to four weeks.

Do borrowers need to install anything?

No. Borrowers get WhatsApp and SMS payment links and can pay in one tap. An optional mobile app is available if they want to view loan history.

More questions? Talk to our team →

Ready to see Freebird in action?

Book a personalized demo and see the whole workflow running on your data.

Request a Demo

See pricing · Or start your 7-day free trial on Standard or Business — no credit card required.