BANK LOAN MANAGEMENT - Dolibarr

1. Overview

Bank Loan Management is a professional, native Dolibarr module that transforms the Dolibarr ERP/CRM into a specialised platform for managing the complete life cycle of bank loans — from the initial application through study, approval, contract, disbursement and repayment, up to full settlement.

It is designed for financial institutions, credit organisations, financing companies, financial cooperatives, microfinance entities and internal financial-management departments that need a deep, centralised and automated way to run their lending activity without relying on any external software.

The module is built entirely on the Dolibarr framework: it reuses the native objects (third parties, invoices, payments, bank accounts, projects, users, agenda and document management) and adds a dedicated business layer on top of them, respecting Dolibarr's coding standards, permission system, hooks and triggers.

 

2. Architecture

The module follows the standard Dolibarr module architecture and is fully self-contained in the custom/bankloanmanagement directory.

·       Module descriptor (modBankLoanManagement) declaring tables, permissions, menus, cron job and triggers.

·       13 business objects, each backed by its own database table (llx_bankloanmanagement_*) and a CommonObject-derived PHP class.

·       A generic list/card engine providing consistent, interactive interfaces (per-column search, column selector, linked-record navigation) for every object.

·       Dedicated business pages: dashboard, applications pipeline, amortization schedule engine, arrears monitoring, portfolio analysis, validation workflows and reporting.

·       A shared helper library centralising the financial computations (amortization, monthly payment, risk levels, product types).

·       A daily cron supervision engine, business triggers, and a first-activation demonstration dataset generator with a secure purge.

2.1 Business objects

 

3. Feature modules

3.1 Borrower management

A dedicated space consolidates everything about each borrower.

·       Type: individual, company or association, linked to a native Dolibarr third party.

·       Personal data: name, first name, date of birth, address, phone, email, profession, income and monthly charges.

·       Company data: legal name, activity sector, turnover and headcount.

·       Financial situation, existing loans, risk class and responsible agent.

·       Cockpit KPIs: active loans, capital remaining, debt ratio, risk class and native invoiced turnover.

 

3.2 Loan applications

A complete workflow captures every loan request.

·       Automatic reference, applicant, loan product, requested amount, duration, purpose, date and responsible agent.

·       Statuses: draft, submitted, under study, incomplete documents, accepted, refused, cancelled.

·       An interactive Kanban pipeline allows drag-and-drop stage changes.

·       Associated documents managed through the native document management.

 

3.3 Loan products

Flexible financial products drive the whole platform.

·       Product types: personal, mortgage, business, auto, microcredit, investment, equipment and agricultural loans.

·       Parameters: interest rate, rate type, maximum duration, amount range, processing fee, insurance rate and grace period.

·       Configurable conditions and mandatory-guarantee flag.

3.4 Credit analysis & scoring

A financial-analysis engine supports the credit decision.

·       Client score and risk level (low, medium, high).

·       Repayment capacity and debt ratio computed from income, charges and existing debt.

·       Income / expense analysis and configurable decision (favourable, reserved, unfavourable).

3.5 Validation workflows

A configurable approval process mirrors a real credit organisation.

·       Chain: application created → credit analysis → credit-manager validation → direction / committee validation → contract → disbursement → repayment.

·       Multiple approval levels, validators, decisions and comments.

·       One-click study / approve / reject transitions from the workflow cockpit.

3.6 Loan contracts

Accepted applications become loan contracts.

·       Contract number, signature date, granted amount and financial conditions.

·       Guarantees, signatories and PDF-ready contract data.

·       Disbursement, first-due and end dates, monthly payment and capital remaining.

3.7 Guarantees

A dedicated guarantees module secures the loans.

·       Types: mortgage, deposit, bank guarantee, vehicle, equipment and insurance.

·       Description, value, guarantor, acquisition date, associated documents and status.

3.8 Amortization schedules

A financial engine computes repayment schedules automatically.

·       Fixed-rate (annuity) computation, monthly / quarterly / annual frequencies.

·       Breakdown of capital, interest, insurance and fees per installment, with remaining capital.

·       Schedule table and a live amortization simulator.

 

3.9 Repayments

Every repayment is recorded and reconciled.

·       Normal, partial, early and full repayments; late-payment handling.

·       Split into capital, interest and penalties; multiple payment modes.

·       Connected to native Dolibarr bank accounts and payments.

3.10 Arrears & risk monitoring

A risk module detects and follows overdue payments.

·       Automatic detection of overdue installments and days late.

·       Alerts, borrower reminders and incident history.

·       Risk classification: normal, light delay, critical delay, litigation.

·       A daily supervision cron refreshes installment and loan statuses.

 

3.11 Reporting

A complete reporting menu with multi-format export.

·       Financial reports: portfolio, outstanding, interest generated, repayments, arrears.

·       Client reports: borrowers list, credit history, risk score.

·       Management reports: agent performance, profitability analysis, portfolio evolution.

·       Every report exports to PDF, Excel and CSV.

 

 

4. Premium finance dashboard

A totally custom cockpit, in a Finance Premium charter (deep navy, white, gold and professional grey), deliberately different from the standard Dolibarr home page.

·       Headline KPI band: outstanding capital, active loans, interest income, repayment rate.

·       KPI zones: credit portfolio, applications & pipeline, repayments, and risk & arrears.

·       Charts: loans granted by month, interest income, loans by product type, client-risk distribution, applications by stage and arrears by month.

·       Smart widgets: latest applications, upcoming installments, important alerts and quick actions.

 

5. Dolibarr integration

The module is fully integrated with the native Dolibarr ecosystem and never duplicates its core features.

6. Security & permissions

·       Role-based permissions for each object group (read / write / delete) plus an admin right.

·       Data-access control through the native Dolibarr permission system and entity isolation (multi-company).

·       Modification history and user action logging inherited from the Dolibarr framework.

7. Expected result

Bank Loan Management delivers a complete, professional and internationally marketable solution that turns Dolibarr ERP/CRM into a full bank-loan management platform comparable to the specialised solutions of the financial market — covering borrowers, applications, credit study, approval, contracts, disbursement, schedules, repayments, interest, penalties, guarantees, client risk, analysts, credit agents, financial dashboards and regulatory reports.

Multilingual (French, English, Spanish, Italian, German), responsive on desktop and tablet, and published under the DoliResources brand (www.doliresources.com).