How Freebird works

Loan Management Software for every step, from origination to repayment.

Freebird loan management software gives lenders one practical workflow for onboarding, EMI scheduling, reminders, collections, and reporting.

Request a Live DemoWatch the 7-min tour
  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, KYC, and loan terms in the Freebird web or mobile app. Optionally run a credit bureau check inline.

  2. EMI Schedule

    Next due

    Status15 Dec

    Flat loan · 12 EMIs

    02

    Configure the EMI schedule

    Freebird generates the EMI schedule from principal, tenure, and interest — for individual or group loans.

  3. Reminder Sent

    WhatsApp + SMS

    StatusT-2

    UPI link attached

    03

    Automated reminders go out

    3 days before, 1 day before, and on the due date — WhatsApp and SMS reminders with a UPI payment link.

  4. Payment Received

    via UPI

    Status₹3,200

    Auto-reconciled

    04

    Borrower pays

    UPI, auto-debit, or cash via the field-agent app. Freebird reconciles payments to the loan record automatically.

  5. Portfolio Report

    Collection rate

    Status92%

    Excel + PDF ready

    05

    Track and report

    Real-time cash flow, portfolio health, and audit-ready reports exportable to Excel and PDF.

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 in order, then add Superkey only when your lending model needs device security.

Step 01

Onboard the Borrower

Start with one clean borrower record before money moves.

  • Capture profile, KYC, and loan terms

    Add borrower details, documents, guarantor information, and product rules from web or mobile.

  • Optional bureau checks

    Run a credit bureau check before approval when the loan product needs stronger underwriting.

See 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 the approved loan into a clear repayment plan.

  • Generate EMI dates and amounts

    Freebird calculates the schedule from principal, tenure, interest, and repayment frequency.

  • Support multiple loan styles

    Use flat, reducing, individual, or group-loan schedules without manual spreadsheet tracking.

See pricing by workflow

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

Once the schedule exists, Freebird starts the follow-up automatically.

  • T-3, T-1, and due-date reminders

    Automated WhatsApp + SMS on a proven cadence — customisable per loan product.

  • One-tap UPI payment link

    Every reminder carries a pre-filled UPI intent. Payment reconciles to the loan record instantly.

Also great for money lenders

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 Reconcile the Payment

The borrower pays digitally or through the field team, and the record updates.

  • UPI, auto-debit, or field collection

    Accept digital payments or record cash collections from the field-agent app.

  • Automatic reconciliation

    Payments attach back to the loan record, reducing manual matching and missed updates.

Also great 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

After collection, managers, staff, and borrowers all see the updated state.

  • Real-time dashboards

    Monitor cash flow, overdue accounts, daily collection rate, and portfolio health as it changes.

  • Receipts and audit-ready exports

    Borrowers get payment confirmation while your team can export Excel/PDF reports when needed.

Also great for NBFCs

Portfolio health

92%

Export

Excel + PDF

Audit log

Ready

Optional add-on

Add Superkey When You Need Device Security

For EMI-based device lending, Superkey adds a protection layer on top of the same payment flow.

  • Optional Android device locking

    Freebird triggers Superkey based on your rules. Locks show a payment screen until the borrower pays.

  • Auto-unlock on payment

    When the EMI is paid via UPI or auto-debit, Superkey unlocks the device automatically.

See Superkey in detail

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 applications with KYC and credit-bureau checks.

Step 02

EMI Management

Automated schedules — flat, reducing, and group loans.

Step 03

Smart Reminders

WhatsApp + SMS on a proven T-3 / T-1 / due-date cadence.

Step 04

Mobile Apps

Dedicated apps for borrowers and field agents (offline-ready).

Step 05

Analytics & Reports

Real-time dashboards + audit-ready Excel/PDF exports.

Cross-cutting

Trust & Security

AES-256 encryption, biometric login, immutable audit log.

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 supports one-click import from Excel and Google Sheets during onboarding. Our team maps your columns to Freebird fields and validates the import before it goes live, so no data is lost or misaligned.

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

Freebird provisions UPI collection out of the box and integrates with mainstream auto-debit/e-mandate networks. The exact provider is configured per lender during onboarding — reach out and we'll walk through the options for your region.

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

WhatsApp reminders are sent through the WhatsApp Business API using approved templates, which are delivered even when the recipient hasn't saved your number. Freebird also sends a parallel SMS so reach is never dependent on a single channel.

Can the field-agent app work without connectivity?

Yes. Field agents can record cash collections, update loan status, and view borrower info offline. Data syncs to the central dashboard as soon as connectivity returns.

How long does data migration take when we onboard?

Individual money lenders with small portfolios are usually live the same day. MFIs and NBFCs migrating hundreds or thousands of loans typically finish onboarding — including field-agent training and pilot testing — in one to four weeks.

Do borrowers need to install anything?

No. Reminders and payment links go to WhatsApp and SMS, so borrowers can pay in one tap without installing anything. A borrower app is available for those who want a self-service view — it's optional.

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.

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