Loan cases
Principal, interest rate and tenure in — EMI and total repayable come out. Reducing balance or flat rate, your choice, per loan.
Borrowers
Keep a proper borrower list with phone, address and optional PAN or Aadhaar. History stays intact even if a borrower goes inactive.
Repayments
Log cash, UPI, bank transfer, cheque or card. Every payment updates the balance, instalment count and next due date automatically.
Reminders
A notification the day before an EMI is due, generated on your own device — nothing sent anywhere to make it happen.
Works offline
Record a payment with no connection. It syncs the moment you're back online — nothing lost, nothing to remember to re-enter.
Private by default
Phone sign-in, an optional PIN or biometric lock, and records only you can see. Nothing sold, nothing used for advertising.
Built for how lending actually works
Financrs is a record-keeping tool for people running a small lending business — not a bank, not a payments platform. It doesn't move money or extend credit; it keeps the ledger you'd otherwise be doing in a notebook or a spreadsheet, and does the EMI maths for you.
Financrs is a record-keeping tool for lenders. It does not process payments, transfer money, or provide credit, lending or investment advice.
Legal & support
Platform-specific: iOS privacy · iOS support · Android privacy · Android support