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. [Get started](https://cloud.blnkfinance.com/auth/sign-up) Used by developers in: Trusted by developers in: -  -  -  -  -  -  -  -  -  -  ### 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 Disburse Repay 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. [Lending tutorial](https://docs.blnkfinance.com/tutorials/digital-banking/lending) Commit Void LF Loan fund | Balance | $ 2,500,000.00 | | --- | --- | | Inflight debit Amount waiting to be sent | $ 0.00 | $5,000.00 Inflight Applied Void 1. Credit check 2. Underwriting 3. 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. [Inflight transactions](https://docs.blnkfinance.com/transactions/inflight/creating-inflight) TypeScript Go Python Java ``` 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' },}); ``` ## 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. [Scheduled transactions](https://docs.blnkfinance.com/transactions/scheduling) [Overdrafts](https://docs.blnkfinance.com/transactions/overdrafts) Create account Build POC Contact sales ## Create your Cloud account Sign up to Blnk Cloud, deploy a sandbox, and start building in minutes. [Create your account](https://cloud.blnkfinance.com/auth/sign-up)