Goldsmith Loan Manager keeps your borrowers, loans, repayments and savings in one place, works out interest for you, and shows you who is on time and who is late.
No more notebooks, scattered spreadsheets or manual interest sums. Everything is recorded once and always up to date.
Keep every borrower's details, history and contacts in one searchable place, and issue a new loan in a few clicks.
Issue loans with a clear repayment date, record payments as they arrive, and see exactly what each borrower still owes.
A simple colour-coded ring shows whether a loan is on time or late, so you spot trouble at a glance.
Run savings alongside lending with separate balances, deposits, withdrawals and monthly interest on larger balances.
See collections over the past months, what is due in the next 90 days, and which borrowers need attention.
Borrower registers, loan portfolios, payment ledgers and individual statements, ready to print or hand to a client.
The system follows your lending terms automatically, so you never have to calculate what a borrower owes.
The borrower owes the amount borrowed plus your standard interest.
A short grace period to settle at the normal rate.
A late charge is added automatically on the balance.
Another late charge is applied each month until the loan is cleared.
Example terms shown: 20% standard interest, 20% late charge and a 3-day grace period. You can set your own in the Online Edition.
Same trusted lending tools in both. The difference is where your records live and how you pay.
For a single office that wants full ownership and no recurring fees.
Pay for your licence and run the system from your own computer. There are no hosting or storage charges.
For lenders who want access from anywhere and a portal for their customers.
The licence is purchased separately. An ongoing server/service fee covers hosting, secure data storage and updates.
| Desktop Edition | Online Edition | |
|---|---|---|
| What you pay | Licence only | Licence + server/service fee |
| Where you use it | One office computer | Any computer or phone |
| Internet needed | No | Yes |
| Data kept | In your office | Securely stored for you |
| Customer portal | — | Included |
| Automatic updates | On request | Included |
| Adjustable interest policy | Standard terms | Set your own |
Fewer phone calls and fewer disputes. With the Online Edition, borrowers and savers can sign in and view their own loan and savings balances, any time.
You stay in charge: you choose what each customer can see, and you can switch access off whenever you like. The portal is free for your customers.
Choose the Desktop Edition if you work from one office and want a single payment with no ongoing fees. Choose the Online Edition if you want to reach your records from anywhere, have several staff, or want your customers to check their own balances.
The Desktop Edition requires a licence fee only. The Online Edition requires both a licence fee and an ongoing server/service fee, which covers keeping the system online, securely storing your data and providing updates.
Yes. The Online Edition lets you set your office's standard rate, late charge and grace period. Each loan keeps the terms it was issued with, so changing your policy never alters existing balances.
Only what you choose to share. Customers see their own loan and savings balances, and you decide separately whether to allow loan access, savings access, or both. You can withdraw access at any time.
Yes. Speak to us and we will help you plan the move so your existing records come with you.
Yes. We help you get set up and are available if you have questions along the way.
Tell us about your lending business and we will show you which edition suits you best.
Request a demo