LoanDisk
- Company typePrivate
- Founded2016
- HeadquartersSydney, Australia
- Headcount—
- GTM typeB2B
- OfferingSoftware
What LoanDisk does
LoanDisk is a cloud-based loan management SaaS platform purpose-built for the microfinance industry, operated by Australian proprietary company Cirratek Pty Ltd and headquartered in Sydney. The software provides an integrated system for managing borrowers, loans, repayments, collections, savings accounts, and investor accounts, with supporting capabilities including a public REST API, e-signature, a web form builder, double-entry accounting, multi-branch operations with role-based permissions, collateral/LTV tracking, automated trigger-based SMS and email communications, and whitelabel borrower/investor portals. All features are bundled across subscription tiers rather than sold as modules, and the platform supports GDPR compliance and PCI-DSS-aligned payment processing through PayPal and Pin Payments.
The product originated as an internal loan management tool for an Australian recruitment company's employee loan program and was launched commercially worldwide in 2016. LoanDisk serves a broad vertical of lending operators globally, including microfinance institutions, SACCOs, cooperatives, pension funds, auto loan companies, payroll loan companies, investment firms, and small banking divisions, with explicit reference customers in Southeast Asia.
The business runs on a self-serve, product-led growth model with a 45-day free trial, four published monthly subscription tiers ranging from $59 to $346, and a custom multi-year contract tier for organizations with 10,000+ active loans. Distribution is exclusively digital through the company website and the public API, with no disclosed sales force or external venture capital backing; the company is founder-owned and bootstrapped and reports more than 800 lending customers across 60+ countries.
LoanDisk firmographics
Firmographics- Name
- LoanDisk
- Legal name
- Cirratek Pty Ltd
- Website
- https://loandisk.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Ownership category
- akta.pro rank
LoanDisk industry classification
Industry- Product category
- Loan Management Software
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Credit Intermediation and Related Activities (522)
- SIC
- Finance Services (6199), Personal Credit Institutions (6141)
- akta.pro primary industry
- SME Loan Servicing & Collections (FSAKAGAK)
- akta.pro secondary industries
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), Microloans & Working Capital Loans (FSAKAGAA)
Keywords
Where LoanDisk is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
LoanDisk business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Software Subscription: Monthly SaaS subscription with tiered pricing based on number of users, loans, and savings accounts. Four main tiers (Startup $59/mo, Business $129/mo, Growth $179/mo, Enterprise $346/mo) plus custom enterprise pricing. No setup fee, no contract required.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Startup: 1 user, 2,000 loans, 1,000 savings - $59/month |
| Subscription | Monthly | Business: 3 users, 4,000 loans, 3,000 savings - $129/month |
| Subscription | Monthly | Growth: 5 users, 6,000 loans, 5,000 savings - $179/month (Popular) |
| Subscription | Monthly | Enterprise: Unlimited users, loans, and savings - $346/month |
| Subscription | Multi-year contract | Custom: Private cloud, custom integrations, custom workflows - Contact for pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
LoanDisk product offering
Product offeringCore offering
LoanDisk is a cloud-based SaaS loan management system designed specifically for the microfinance industry. It enables lending businesses to manage borrowers, loans, repayments, collections, savings accounts, and investor accounts in a single platform, with automated SMS/email communications, double-entry accounting, e-signature, multi-branch support, collateral management with LTV tracking, and a public REST API for integration with payment processors and external workflows.
Product overview
Loandisk is a single, unified cloud-based loan management platform designed specifically for the microfinance industry. The core product encompasses borrower management, loan origination and tracking, repayment processing, savings accounts, investor accounts, automated SMS/email communications, double-entry accounting, payroll management, calendar scheduling, asset management, E-Signature capabilities, a Web Form Builder, and a public API for external integrations. The platform supports multi-branch operations with role-based staff permissions, extensive reporting and charting, collateral management, and bulk data upload via CSV/Excel files. No separate modules or add-ons are offered—all features are included across all subscription plans.
Differentiator
Problem solved
Functional benefit
Products and services
- LoanDisk Cloud Loan Management Platform
Quantifiable outcome
- Higher customer satisfaction rates reported by microfinance clients
- +1 more outcomes
Companies that use LoanDisk
Customer profileNamed customers1 record
Segments9 records
Ideal customer profiles2 records
LoanDisk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature9 records
LoanDisk partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights4 records
LoanDisk competitors and assessment
Company assessmentDirect peers
- Mambu: Mambu is a cloud-native core banking and lending platform serving microfinance institutions, neobanks, and SACCOs globally. It competes directly with LoanDisk in the SaaS loan-management category for MFIs and embedded credit use cases.
- Lendio: Lendio operates a small-business lending marketplace and loan management software. It is comparable to LoanDisk as it serves the SMB and micro-lender segment with technology to originate, service, and manage loan portfolios.
- LoanPro: LoanPro provides cloud-based loan servicing and origination software for consumer and SMB lenders. It is comparable to LoanDisk as a subscription SaaS offering APIs, automated servicing, and multi-tenant loan management.
- TurnKey Lender: TurnKey Lender offers an AI-driven lending automation platform covering origination, decisioning, servicing, and collections. It is comparable to LoanDisk as a SaaS lending platform targeting SMB lenders, MFIs, and credit unions.
Emerging players
- Blend: Blend is a digital lending platform focused on consumer and SMB loan origination for banks and credit unions. It is comparable to LoanDisk as a cloud SaaS in the lending workflow space, though it skews to larger financial institutions.
Others
- Upstart: Upstart is an AI lending marketplace and SaaS platform that partners with banks to originate consumer loans. It is comparable to LoanDisk thematically as a fintech software platform in lending, though Upstart is primarily a lender-network model rather than an MFI tool.
Broad incumbents
- Finastra: Finastra provides a broad suite of financial software including lending, core banking, and treasury solutions. It is comparable to LoanDisk as a vendor serving lenders, including microfinance, though as a broad incumbent rather than microfinance-specialist.
- Temenos: Temenos is a large core banking and lending software vendor serving banks and microfinance institutions worldwide. It is comparable to LoanDisk as it offers microfinance lending modules, though at much larger enterprise scale and price points.
- nCino: nCino provides a cloud banking platform with loan origination and account opening for financial institutions. It is comparable to LoanDisk as it overlaps in cloud-based loan management, though it serves larger banks rather than microfinance.
- FIS (Fidelity National Information Services): FIS is a large financial technology provider offering lending, core banking, and payments software. It is comparable to LoanDisk as a lender technology vendor, though it operates as a broad incumbent across many financial segments.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
LoanDisk social profiles
Digital presenceLoanDisk compliance and trust
Trust signalCompliance2 records
LoanDisk financial estimates
Financial estimateRevenue estimate
Valuation estimate
LoanDisk leadership team
Management profileNumber of profiles
LoanDisk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LoanDisk M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LoanDisk
What does LoanDisk do?
LoanDisk is a cloud-based SaaS loan management system designed specifically for the microfinance industry. It enables lending businesses to manage borrowers, loans, repayments, collections, savings accounts, and investor accounts in a single platform, with automated SMS/email communications, double-entry accounting, e-signature, multi-branch support, collateral management with LTV tracking, and a public REST API for integration with payment processors and external workflows.
Is LoanDisk a public or private company?
LoanDisk is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LoanDisk founded?
LoanDisk was founded in 2016.
Where is LoanDisk based?
LoanDisk is headquartered in Sydney, Australia, in the Oceania region.
How does LoanDisk make money?
One revenue line is on record: software Subscription.
Who are LoanDisk's main competitors?
Direct peers on record are Mambu, Lendio, LoanPro and TurnKey Lender. Blend is listed as an emerging player. Upstart is listed as an others. Broad incumbents are Finastra, Temenos, nCino and FIS (Fidelity National Information Services).
Does LoanDisk have an API?
Yes. Loandisk offers a public API that enables developers to extract information or post data to Loandisk. The API supports various operations including: Borrowers (add, update, get single/multiple borrowers, move to another branch); Loans (add, update, delete, get single/multiple loans, get loan schedules); Repayments (add, update, delete, get repayments, manage repayment methods and collected by); Savings (add, update, delete accounts and transactions); E-Signatures (add and get updates); Staff authentication; File uploads/downloads; and Web Hooks for Borrowers, Loans, and E-Signature events. Developer documentation is at www.loandisk.com/features.html.
What industry is LoanDisk in?
LoanDisk's product category is Loan Management Software. Its primary akta.pro industry code is FSAKAGAK, SME Loan Servicing & Collections, with a secondary code of FSAKAGAJ, SME Lending Platforms & Embedded SME Credit. Its NAICS code is 518 and its SIC code is 6199.