Product catalog
Loan product
A loan product is the template a loan is originated from — the named credit offering (a CDC line, a consignado line) that carries its terms, charges, and rate configuration.Product version
A product’s terms change over time, so a loan product owns immutable product versions. Each version freezes the terms as they stood, and every originated contract traces back to the exact version it was created under. You activate a version to make it originatable; existing loans keep the version they started on.Charge
A charge is a fee or cost component attached to a product (and inherited by the loans originated from it) — for example an origination fee. Charges are defined on the product and applied to the schedule.Floating rate
A product can reference a floating-rate table rather than a fixed rate. Lender resolves the applicable rate from the table at the moments the schedule requires it.Accounting profile
An accounting profile binds a product version to the . It declares the posting rules — which legs fire for each financial event (disbursement, repayment, accrual, reversal) and which ledger organization and ledger the transaction books into. No accounting profile, no posting: the profile is how a product knows how to keep its books.Origination
Loan application
A loan application is a request to originate a loan against an active product version. It moves through an explicit lifecycle:| Action | Meaning |
|---|---|
| Submit | Create the application in a pending state. |
| Approve | Accept the application; a decision record is kept. |
| Reject | Decline the application, with a decision record. |
| Withdraw | Retract an application before it is decided. |
| Disburse | Release funds; disbursement facts and the resulting loan account are recorded. |
Schedule preview
Schedule preview computes the amortisation schedule for a prospective loan without originating anything — you preview the installments and disclosures before an application (or before approval) commits to them.Servicing
Loan account
A loan account is an active, disbursed loan — the servicing view of a contract. It carries the live schedule, the transactions posted against it, its charges, and its audit history. (The read surface that lists and creates these is also called servicing.)Schedule and installment
The schedule is the ordered set of installments a loan account owes — each with its due date and its principal, interest, and charge components.Repayment and prepayment
A repayment records money received against the schedule; Lender allocates it across the outstanding installments. A prepayment settles ahead of schedule, in whole or in part. You can preview a repayment to see the allocation before recording it.Reschedule
A reschedule rewrites the remaining schedule of a loan account — for example after a renegotiation.Reversal and replay
Corrections are never destructive. A reversal undoes a posted transaction with a compensating entry; a replay re-derives account state from its event history. Both preserve a consistent, auditable timeline rather than editing the past.Accounting
Posting intent
A posting intent is the durable record of “this financial event must book to the ledger.” Lender persists the intent as part of the same transaction that changes domain state, then hands it to the ledger relay — so a booking is never lost, even across restarts.Accrual run
An accrual run computes interest (and other time-based amounts) accrued over a period across the book, producing the postings that recognize it. Runs can be retried if a downstream step fails.Journal reference
A journal reference links a Lender financial event back to the ledger transaction that recorded it, so you can trace any posting to and from the by correlation id.Jurisdictions
Jurisdiction and profile
A jurisdiction is a market whose credit rules Lender knows about. Each jurisdiction supplies a profile — the rules, disclosures, and calendar that market requires. Lender ships a generic baseline profile and a deep Brazil (BR) profile; the active jurisdiction shapes which disclosures and endpoints apply. See Jurisdictions.Brazil terms
The Brazilian profile adds regulated concepts. The Portuguese terms are kept as-is, with a gloss — see the Brazil regulatory pack for how each is used.
| Term | Gloss |
|---|---|
| CET | Custo Efetivo Total — the total effective cost of credit disclosed to the borrower, covering interest, taxes, and fees. |
| IOF | Imposto sobre Operações Financeiras — a federal tax on credit operations, previewable before origination. |
| Capitalization consent | The borrower’s recorded consent to compound-interest (juros compostos) capitalization on the contract. |
| PDD stage | Provisão para Devedores Duvidosos — the loan-loss provisioning stage a loan account sits in, with tracked transitions. |
| Credit descriptor | The SCR-style credit-operation descriptor for a loan account (the regulated operation profile). |
| Prepayment quote | A binding quote for settling a loan account early, before you record the prepayment. |
| CCB | Cédula de Crédito Bancário — the bank credit instrument issued and signed for a consignado contract. |
| Averbação | Registration of the payroll deduction with the paying entity, so installments are withheld at source. |
Next steps
Lender in the platform
See how these concepts book to the ledger and emit events.
Define a loan product
Put the product-catalog concepts to work.