Financial Services
Build an AI-powered lending management and accounting system
Kliv is an AI app builder. Describe how your fund lends, approves, collects, and reports, and it builds a real lending management and accounting app around those rules.
Just enter your idea into the text box and AI will build it for you
What is Kliv?
Kliv isn’t a loan product or an accounting package you configure — it’s an AI app builder that creates software for you.
You describe the app you need in plain words, and Kliv builds it: the database, the logic, the screens, and the workflows. What you get is a real app that’s yours. You can use it on your own domain, run it on your own accounts, and change it later by asking. It isn’t a template.
On this page, that app is an AI-powered lending management and accounting system for a small fund. Kliv builds all kinds of web apps; this is one example.
Why build your own loan book?
A small loan fund can outgrow spreadsheets before it is large enough for enterprise software. Hafsa’s community loan fund has sixty active loans, two staff members, and a retired banker who knows which spreadsheet tab is correct. Payments are allocated by hand, arrears calls start with a search through old files, and the board report takes a weekend every month.
Kliv builds the fund one system. Each loan gets a schedule when it is signed. Each payment is posted against that schedule by the rules the fund uses. The accounting uses the same rows, so the loan record, borrower statement, arrears list, and board packet do not drift apart.
What the loan book holds
The system keeps the records a fund needs and applies the rules attached to them.
The loan record
Borrower, principal, rate, term, approval date, and committee vote all live on the loan. Years later, the file still shows who approved it and when.
The amortization schedule
Each installment is created as a row when the loan is opened. Due dates, interest portions, principal portions, and running balance are computed once and used everywhere.
The payment ledger
Every payment is a row. The app allocates interest first, then principal, then fees. Corrections are posted as new entries with reasons, so history is not overwritten.
Arrears and aging
Thirty-, sixty-, and ninety-day buckets are calculated from due dates and received payments. The Monday follow-up list comes from the ledger, not from memory.
The borrower’s view
A borrower signs in to see their own balance, next due date, and statements. Other loans and committee notes are outside anything their account can request.
The policy assistant
The fund’s underwriting manual and procedures can ground an assistant. It answers officers and borrowers from those documents and from the signed-in user’s own records.
An example: Hafsa’s community loan fund
Here’s how one fund might use it. It’s only an example — you would describe your own loan terms, approval process, payment rules, and reports.
A loan is approved with the full record attached
The committee approves a $35,000 bakery oven loan at 4% over five years. The vote, terms, borrower, and approval date become part of the loan record.
The schedule is created immediately
When the loan is disbursed, the system creates sixty installment rows. Each row knows its due date, interest amount, principal amount, and remaining balance.
A short payment ages by rule
Renata pays $400 against a $652 installment. The app applies the payment to interest first, leaves the shortfall, moves it into the 30-day bucket, and sends a reminder in the fund’s wording.
A payoff question uses the borrower’s own loan
Renata asks what it would take to settle early. The assistant reads her schedule and the policy manual, gives the figure and the relevant policy paragraph, and saves the exchange on her loan.
The board report comes from the same rows
At month end, Hafsa downloads balances, arrears, repayments, and lendable principal from the ledger. The report does not need to be rebuilt from spreadsheets.
The fund revolves when the loan closes
The final payment records the discharge and returns principal to the lendable pool, visible in the same accounting rows.
Describe what you want to build
Kliv builds from your description, so the more detail you give, the closer the first version. Include loan sizes, rates, allocation rules, reports, and who can see what. Here are three examples:
Community loan fund
Servicing, arrears, borrower statements, and board reporting.
“Build a loan servicing system for our $2 million revolving community fund. We make $8,000 to $60,000 business loans at fixed rates between 3% and 6%, generate amortization schedules, allocate payments to interest before principal and fees, age arrears into 30/60/90-day buckets, let borrowers download monthly statements, and create a board report every month.”
Equipment financing desk
Member financing with online balances.
“Build an equipment financing tracker for our dealer co-op. Each contract should include equipment details, a $5,000 to $80,000 principal amount, a fixed rate, a payment schedule, payment posting against the schedule, and a member portal where each member sees only their own balance and statements.”
Staff hardship loans
Payroll-deducted loans with clean records.
“Build a hardship loan program tool for our company. HR should record loans up to $3,000, payroll should post deductions every two weeks, interest should be 0%, employees should see their remaining balance, and finance should export a monthly journal report.”
One ledger, two views
The borrower view and the accounting view use the same data. The schedule that tells Renata what she owes is also the ledger that tells the accountant what accrued. Statements, journal exports, and year-end totals all come from the rows payments wrote.
The assistant has a narrow job. It reads the fund’s policy manual and the records the signed-in user is allowed to see. A borrower can ask for her payoff figure. An officer can ask why a loan appears on the aging list. The assistant does not make credit decisions or give market opinions.
The math can be tested. Allocation rules such as interest-before-principal can be covered by automated tests, so later changes do not silently alter balances.
A fund this size often needs more than one internal tool: grant tracking, board packets, annual filings. Internal tools on Kliv covers that broader pattern.
Common questions
What exactly is Kliv?
Kliv is an AI app builder that creates custom web apps from a description. For a lending fund, that means a working app for loans, schedules, payments, arrears, borrower statements, policy answers, and reports.
Do I get a real app, or a template?
A real app. Kliv builds the database, screens, rules, and workflows for your lending process. It is not a pre-made loan spreadsheet with your logo on it.
Can I change it after it’s built?
Yes. You can ask for changes in plain words: a new report, a different arrears bucket, another approval field, or a revised borrower statement.
Can borrowers see the fund’s books?
No. A borrower’s account is scoped to their own loan, schedule, and statements. Portfolio records and committee notes are not served to that session.
Does the assistant make credit decisions?
No. Approvals stay with the committee. The assistant can explain policy and read permitted records, but it does not vote, approve, deny, or give investment opinions.
How are short payments handled?
You define the allocation rule. In the source example, payments apply to interest first, then principal, then fees. Any remaining shortfall ages from the due date.
Can our accountant get year-end records?
Yes. Statements and journal exports come from the same ledger that records the payments, so year-end is a download rather than a reconstruction.
Can we upload our policy manual?
Yes. The assistant can answer from your uploaded underwriting manual and procedures, and transcripts can be saved on the related loan.
Can corrections be audited?
Yes. Corrections can be posted as new entries with reasons instead of silently editing old rows, so the history remains readable.
Can I move off Kliv later?
Yes. The app’s code syncs to your own Git repository, and the data is stored as records you can export.
Can this fit other lending programs?
Yes. Equipment finance, staff hardship loans, community funds, and similar programs can use the same pieces with different terms and approval rules.
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Know where the fund stands
Describe how your fund lends: amounts, rates, approvals, payment rules, borrower access, and reports. Kliv builds the ledger that answers the daily questions.
