Sobre

I need a complete web platform for a small lending company. The goal is to create an online loan management system that can be accessed by admins, employees, and clients, each with different permission levels and dashboards. The system will centralize client registration, loan creation, payment tracking, automatic payment links, and basic accounting reports, all in one easy-to-use web application accessible from desktop or mobile browsers. 🔐 User Roles and Access Admin (Owner) Full access to all system features. Can create/manage employee accounts and client profiles. Has access to the financial dashboard (profit, revenue, expenses, active loans, pending payments, etc.). Can view reports, export data, and control global system settings. Employees (Staff Users) Can register new clients. Can create and manage loan contracts. Can track payments and mark them as paid or pending. Can send payment links to clients. Cannot see the full financial dashboard (profit and revenue are only visible to Admin). Clients Can log in to view their loans, payment history, and remaining balance. Can receive and pay through automatic payment links generated by the system. The platform should automatically confirm the payment and update the status (Paid / Pending / Overdue). 💰 Loan and Payment Management The platform must allow the creation of loans with different payment frequencies: Daily, Weekly, Biweekly, or Monthly. Each loan should have: Loan amount, interest rate, total payable amount, start date, and due dates. Automatic generation of payment schedules (installments). The system should send payment reminders and links automatically (via WhatsApp, email, or integrated gateway). Once the client pays through the link, the system should automatically detect and confirm the payment. If the client delays payment, the system should display the overdue amount and apply late fees (configurable). 📊 Dashboard and Accounting The Admin Dashboard should summarize key financial metrics: Total Revenue (sum of all payments received). Total Loans Issued. Outstanding Amounts / Pending Receivables. Expenses and Profit Margin. Active Clients and Contracts. The Employee Dashboard should show only operational data, such as: List of clients, their payment statuses, and next due dates. Quick actions (add payment, send link, view details). Data visualization can be through charts and tables (simple, clean design). 🔗 Payment Integration The platform should have a payment gateway integration (for example, Stripe, PayPal, MercadoPago, Each client should receive a unique payment link for each installment. The system must automatically confirm payment via webhook or API and update the client’s balance in real time. Manual payment confirmation should also be possible for offline transactions (e.g., cash). 🧮 Other Features Client registration form (with documents, phone number, and address). Search and filter system for clients and contracts. Export data to Excel or PDF. Notifications for overdue payments and new payments received. Configurable parameters: interest rates, penalties, payment frequency, etc. Multi-user control with access restrictions based on role. Basic LGPD/GDPR compliance (secure login, encrypted data). 🧱 Technical Expectations (open for developer’s choice) I don’t require a specific programming stack. The developer or agency can choose the best framework and database as long as it’s: Secure and stable. Works in the browser (desktop and mobile responsive). Hosted online with a control panel for admin access. Scalable to add new features later. Examples of similar platforms: FineBR, Emdias, GetController, Monkey Jurista. I also have an Excel spreadsheet that describes the logic and formulas behind the payment and profit calculations — it can be used as a base for the system’s logic. 🚀 Goal The main objective is to develop an MVP (Minimum Viable Product) that can already be used by my team and clients to manage daily, weekly, biweekly, and monthly loans with automatic payments and financial control. After testing the MVP, I plan to add more features such as automated notifications, reports, and integrations with WhatsApp or mobile apps. Please include in your proposal: Estimated delivery time (in weeks). Suggested technology stack (example: React + Node.js + PostgreSQL). Integration options for payment gateway. Hosting and maintenance options. Approximate price for the MVP.