Lending
The developer's ledgerfor lending and credit.
Model loan disbursements, interest charges, overdraft fees, default payments on an open-source ledger. Extensible by design.
Know what borrowers owe
Never lose track of outstanding loans or accrued interest. Overdraft balances keep debt in the ledger, not a spreadsheet.
Review before you disburse
Reserve funds while underwriting runs. Commit when approved or void when declined — no custom hold logic.
Accrue without spreadsheets
Post interest on a schedule against loan balances. What they owe updates as it runs.
Faster time to market
Move from idea to POC in less than one week. Get hands-on integration support that matches your speed.
For four years we billed on bare Postgres: one transaction in, another out, no balances. It wasn't a ledger. On Blnk, everything is accounted for and auditable. There hasn't been a case where money went missing.
Lead Engineer Public Grid ER Elena Rossi
$0.00
Loan balance
Track loans and credit with overdraft balances.
Use overdraft transactions to record outstanding loans and accrued interest. Credit records reduce the loans over time until it zeroes out.
LF Loan fund
| Balance | $ 2,500,000.00 |
|---|---|
| Inflight debit Amount waiting to be sent | $ 0.00 |
- Credit check
- Underwriting
- Approval
ER Elena Rossi
| Balance | $ 1,250.00 |
|---|---|
| Inflight credit Amount waiting to be received | $ 0.00 |
Track loan requests in your ledger.
Use inflight to reserve funds for a loan request. Review the request while it's on hold; commit if approved or void if declined.
const response = await blnk.Transactions.create({ precise_amount: 15000, precision: 100, currency: 'USD', source: 'bln_elena_usd', destination: '@InterestUSD', reference: 'ref_int_accrual_01', description: 'Monthly interest accrual', allow_overdraft: true, scheduled_for: '2026-09-10T06:29:33Z', meta_data: { charge_type: 'interest', loan_id: 'loan_elena_usd', accrual_period: '2026-09' },});transaction, resp, err := client.Transaction.Create( blnkgo.CreateTransactionRequest{ ParentTransaction: blnkgo.ParentTransaction{ PreciseAmount: big.NewInt(15000), Precision: 100, Currency: "USD", Source: "bln_elena_usd", Destination: "@InterestUSD", Reference: "ref_int_accrual_01", Description: "Monthly interest accrual", MetaData: map[string]interface{}{ "charge_type": "interest", "loan_id": "loan_elena_usd", "accrual_period": "2026-09" }, }, AllowOverdraft: true, ScheduledFor: "2026-09-10T06:29:33Z", },)response = blnk.transactions.create({ "precise_amount": 15000, "precision": 100, "currency": "USD", "source": "bln_elena_usd", "destination": "@InterestUSD", "reference": "ref_int_accrual_01", "description": "Monthly interest accrual", "allow_overdraft": True, "scheduled_for": "2026-09-10T06:29:33Z", "meta_data": { "charge_type": "interest", "loan_id": "loan_elena_usd", "accrual_period": "2026-09" },})ApiResponse<JsonNode> response = blnk.transactions().create( CreateTransactions.create() .preciseAmount(15000) .precision(100) .currency("USD") .source("bln_elena_usd") .destination("@InterestUSD") .reference("ref_int_accrual_01") .description("Monthly interest accrual") .allowOverdraft(true) .scheduledFor("2026-09-10T06:29:33Z") .metaData(Map.of("charge_type", "interest", "loan_id", "loan_elena_usd", "accrual_period", "2026-09")));Charge interest as it accrues.
Post interest on a schedule against the loan wallet. The amount owed updates as it accrues, without a separate spreadsheet.
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