VSS Finance is a multi-tenant microfinance & loan management platform — built end-to-end for a lending business to run on day one.
Onboard an organisation, manage users & clients, originate & approve loans, disburse funds, track repayments and generate signed PDFs — all from one console.
Microfinance and small-loans operators in Sri Lanka still run on spreadsheets, paper agreements & WhatsApp. VSS Finance replaces all of that with a tenant-aware web platform that can be deployed for any lending org in under an hour.
The product runs the full loan lifecycle — from initial client onboarding through approval, disbursement, repayment tracking & formal PDF agreements.
Built on Next.js 15 + React 19 with a Firebase backend (Auth, Firestore, Storage, Admin SDK). Every record lives under a tenants/{tenantId}/… path so multiple companies share one deployment without a single byte of data crossover.
Role-driven workflows underpin everything: super admin, admin, loan officer & viewer each get a tailored surface with approval limits enforced server-side.
PDF generation is first-class — agreements, applications, promissory notes & rejection letters are produced on demand using @react-pdf/renderer and merged with pdf-lib for the signed pages.
A bright, marketing-led public site sells the platform to lending businesses; a calm dark-mode console then runs the day for the staff inside. Both surfaces read the same Firestore.
A clean light-mode marketing site introduces VSS Finance to prospective lending businesses — features, pricing, security & a one-step "Get started" onboarding into the console.
Dashboard, Clients, Loans, Users, Analytics, Documents, Branches, Performance, Audit Log, System Backup, Help & Settings — every screen tenant-scoped, role-gated & auditable.
A walkthrough of the surfaces a tenant actually uses — from first marketing click through to the granular system backup & recovery panel.
Each role carries an approval limit — loan officers draft & submit, admins approve up to LKR 1M, super-admins remove the ceiling. Limits enforced server-side via Admin SDK.
The loan agreement, application form, promissory note & rejection letter are all generated from React templates and merged with uploaded signed pages via pdf-lib.
Each module is a discrete dashboard with its own service layer, Firestore collection structure & role-gated actions.
A first-run wizard provisions the tenant, bootstraps a super-admin & seeds the chart of accounts.
Search, profile, employment & document storage for every borrower in the org.
Multi-step new-loan flow with guarantors, CRIB, docs & financial details.
Flat-rate & reducing-balance models with profit, ROI & live risk analysis.
Invite, assign role, set approval limit & branch — all role-checked server-side.
KPIs, loan & financial trends, performance metrics powered by Recharts & Tremor.
All generated PDFs & uploaded scans, organised by loan ID and searchable.
Run multiple offices under one tenant with branch-level dashboards & KPIs.
Track loan officer KPIs, conversion & processing time per staff member.
Every mutation is logged with actor, IP, timestamp & tenant — paginated & filterable.
Full or incremental snapshots with retention policy & one-tap restore.
SMTP, SMS gateway, payment gateway, cloud storage & analytics — all configurable per tenant.
Loan officers carry a dark, data-dense console for approvals, disbursements & client visits. Borrowers carry a clean, light borrower app to see their balance, next payment & agreement PDFs. Same Firestore, two truly different surfaces.
Sign up the lending business, configure branches & chart of accounts, invite the first super-admin. The console boots empty under tenants/{id}/… & isolated forever.
Super-admin invites loan officers, admins & viewers; sets each user's approval limit & branch. Permissions enforced server-side via Firebase Admin SDK.
Capture identity, contact, employment & income; upload CRIB & ID; the profile is searchable from day one and reusable across every future loan.
Officer drafts the loan with guarantor, docs & financial details; calculator computes schedule & risk; submit kicks it up the approval chain.
Approval triggers PDF generation for the agreement, promissory note & application. The borrower signs in person; the signed pages merge back via pdf-lib.
Funds disbursed; installment schedule live on both the staff console & the borrower app. Audit log records every action; analytics roll the numbers up to the dashboard.
Most lenders here run on spreadsheets & carbon-paper. VSS Finance is what a small finance company looks like when you treat it like a real product.Pasan W. · Lead engineer & product owner · VSS Global
A pilot tenant in production — and a platform built to scale from there to dozens of independent lending businesses on the same deployment.