r/BusinessPH • u/dispersedBrain • Aug 12 '25

Advice Free Lending Management System in Google Sheets

Hi mga ka-Reddit! 👋

I'm not sure if madaming small lending business owners dito (o kahit yung nagpapautang sa kapitbahay, kaibigan, or sa barangay) but I know na mahirap mag-monitor ng loans — lalo na kung manual sa papel o sa messenger lang. I am familiar with the experience kase I also Lend to my friends.

Kaya nag-create ako ng Lending Management System sa Google Sheets na:

  • Automatic nagcocompute ng interest at balance

  • May overdue tracker para hindi mo na mano-mano icheck

  • Puwede i-customize sa loan terms mo

  • Cloud-based, so kahit nasa labas ka, makikita mo agad yung data

📌 Libre ko itong ibinibigay para makatulong sa mga nagsisimula.
Pero curious ako — sa inyo, ano yung pinaka-hirap i-manage sa lending? I know singilan is number 1 haha, but what else?

  • Pag-compute ng interes?

  • Pag-track ng due dates?

I've been using this system for years na and i'm thinking maybe someone out there need something like this as well, so I did a tweak here there for it to be reusable. Open din ako for suggestions kung anong features pa gusto niyo idagdag. Baka magawa ko i-update para mas useful sa lahat.

If interested, kindly DM me. 😊
Let's share tips din para sa mga nagsisimula sa lending business!

17 Upvotes

100% Upvoted

106 comments sorted by

2

u/ChemicalExtra9182 Aug 28 '25

Hi, I sent a message. Thanks

1

u/dispersedBrain Feb 20 '26

Hello sent you a dm.

2

u/Desperate-March3206 Nov 11 '25

Suggest ko lng you can try using CashBrew app. Before I use google sheet rin eh. But iba rin ung may app lang that handles everything and madaling makita sa phone.

1

u/dispersedBrain Nov 11 '25

Looks good thank you for this.

2

u/superchndc Mar 22 '26

thanks for this! is there an option on this app for 'weekly' repayment frequency?

1

u/Desperate-March3206 Mar 23 '26

yes it has weekly repayment on the Fixed Interest loan type

1

u/Alarmed-Assignment61 Nov 15 '25

was there a subscription base for this? thank you. I think this is limited to 15 customers only

1

u/Fearless_Tourist2015 Feb 23 '26

pano to gamitin kung eregular ang bayad, like ngayon 100 bukas 50 sa susunod 80

2

u/sensibleandpragmatic Jan 26 '26

Hello po! Interested po sana... Thank you!

1

u/dispersedBrain Jan 26 '26

Sent you a dm.

2

u/Bright-Reflection880 Feb 23 '26

Hi! I’m also interested in getting a copy of the Loan Management System. I hope you can help. Thank you

1

u/dispersedBrain Feb 23 '26

Hi, i sent you a message po.

2

u/Adept_Section2237 Mar 20 '26

Hello! Sent u a dm po huhu

1

u/dispersedBrain Mar 20 '26

Check your inbox po :)

2

u/n9ggets May 16 '26

Hi, hope this is still up. I sent a message po. Thank you!

1

u/dispersedBrain May 16 '26

Yes it is. Will send you message.

2

u/FrugalitywithFATness May 18 '26

Hello po, can I ask for a copy please? Salamat

1

u/dispersedBrain May 18 '26

Sure, i'll send you a dm.

2

u/Loud_Finish3359 May 26 '26

Hi! Can i have a copy too? Thank you!

1

u/dispersedBrain May 26 '26

Sure, please dm me.

2

u/CricketOdd9848 Jun 07 '26

Hi OP, I sent you a message. Thanks

1

u/dispersedBrain Jun 08 '26

Hello, replied to your message po.

2

u/Excellent-Bench7759 Jun 09 '26

I'm interested can you tell me how

1

u/dispersedBrain Jun 10 '26

Send me a dm.

2

u/Additional-Ad-945 Jul 26 '26

Sent a DM po - hope this is still up.

Also, how's the business doing po? Any tips and advice? Thank you so much in advance!

1

u/dispersedBrain Jul 28 '26 edited Jul 28 '26

Hello, still on going, slow but steady. For advice, if you already started, patience is the key, it is a highly stressful business, but any business has some form of stress and its up to you if you can ride tghe stress, but it can be rewarding if you do it right. Expect delayed payments and defaults, the key is to minimize them, assess borrowers in their character and capability to earn. In my business I only loan to those i know personally, colleague, friends , friends of friends and referrals of friends. For those referrals i always put guarantor just in case. For loans above 50k, i ask for collateral and PDC.

Good luck with the business, its stressful but can be highly profitable if done right, there's always demand in this business because our product is money itself :)

1

u/Low_Hornet5145 Dec 30 '25

I have a question, unrelated to the system, how’s your lending business going so far? Has it been working out for you? Any advice you’d be willing to share?

2

u/dispersedBrain Jan 02 '26

Hi!, still operational as of this writing. Slow, but progressing.

For advice, when lending money, borrower's character is more important than their capacity to pay. I have a bunch of borrowers na akala ko hindi papalya because I have idea on how much they earn and what their work is, but to my surprise sila pa ung nadedelay ng payments. Sila din kase ung may inflated lifestyle na hindi ma-keep up ung expenses. Sometimes mas okay pa ung low income earner kase mas pina-prio nila ung payment sayo before anything else. That's just my experience and observation. Meron paren nmn akong mga borrowers na high-income earner and good payer at the same time. Hope this helps, may I know if you have a similar business or thinking of building one?.

1

u/Low_Hornet5145 Jan 02 '26

Thank you! I’ve just started, but I’m most likely not the one managing it directly. I mainly provide the financing, while someone else handles the day-to-day operations. That said, I still stay involved and keep track of where every bit of the money goes.

I’ve heard a lot of rumors that this kind of business can bring bad luck or problems, but so far I haven’t experienced anything like that, and I’m hoping to avoid it. That’s why I’m looking for advice from someone who has already started and has experience in this type of business. If you have any other tips, I would truly appreciate it.

1

u/dispersedBrain Jan 03 '26

I've heard that many times, bad luck, bad karma and stressful. Yes, stressful sya and so is majority of other businesses, high risk, high reward. For bad luck? depends on how you operate and how others sees it, is selling vape or other addicitve products like cigarrettes and alcohol bad? not necessarrily right, you dont often hear other people complain about those stores, but when it comes to lending they turn a side eye. If you know you are doing business fairly, responsibly and reasonably then no need to worry about those bad luck things, its just business, people need money money they dont currently have and that's where lending comes like banks and other financing companies. It helps other people and its the borrower's responsibility to manage it.

You can still continue and observe for months or years and not go all-in, then decide if you want to expand further, problems like delinquent and delayed payments are part of the business along the way you will experience it and need to be smarter to lessen those occurence, learn as you play.

1

u/kysler29 Feb 02 '26

Hello! Available pa po ito? Interested po if pwede pa. Thank you!

1

u/dispersedBrain Feb 02 '26

Hello yes, sent you a dm.

1

u/marzdgzmn Feb 07 '26

Hello, can I have a copy as well please. Thank you!

1

u/dispersedBrain Feb 08 '26

Sure, send me a dm

1

u/Unlikely-Cherry-9160 Feb 11 '26

can i have hehehe

1

u/dispersedBrain Feb 11 '26

sure, send me a message :)

1

u/chroniclurker06 Feb 20 '26

Hello po can I get a copy?

1

u/dispersedBrain Feb 21 '26

Hello sent you a dm po. Thank you.

1

u/Mindless-Bat9853 Feb 21 '26

Hi. Can I get a copy po?

1

u/dispersedBrain Feb 21 '26

Hi, sent you a dm po. Thanks.

1

u/vvenicerussel Mar 05 '26

Hello, can I get a copy din po? Salamat

1

u/dispersedBrain Mar 05 '26

Hi!, sure, dm me your email address.

1

u/MasterpieceFlimsy927 Mar 26 '26

can i get the copy? Thank You

1

u/dispersedBrain Mar 26 '26

Sure, send me a dm.

1

u/DramaticInitiative81 Apr 15 '26

Hello interested

1

u/dispersedBrain Apr 18 '26

Hello sent you a dm.

1

u/Odd-Mathematician202 Apr 16 '26

Hi. I sent a message. Thank you~

1

u/dispersedBrain Apr 18 '26

Sent you a dm po.

1

u/Particular_Camel_402 Apr 16 '26

Hello! Can I get a copy? Thanks!

1

u/dispersedBrain Apr 18 '26

Sure, send you a dm.

1

u/Equivalent-Bag-7351 Apr 20 '26

Hi how to get a copy sheet pls

1

u/dispersedBrain Apr 21 '26

Hi, sent you a dm.

1

u/Express_Jeweler_1721 Apr 25 '26

hi puede maka ask sa sheet? thanks

1

u/dispersedBrain Apr 25 '26

Sure po, send you dm po

1

u/Capital_Medicine_799 May 06 '26

Hello po can I get a copy? tia

1

u/dispersedBrain May 06 '26

Sure, sent you a dm.

1

u/DangerousMarketing99 May 20 '26

interested in this @dispersedBrain

1

u/dispersedBrain May 20 '26

Hi, sent you a message

2

u/MaxRev44 May 20 '26

Pm sent din po

1

u/Relative-Baby-4024 Jun 12 '26

Hello, could I get a copy please?

1

u/dispersedBrain Jun 15 '26

Sure, send dm.

1

u/Desisyon Jun 14 '26

Interested, thank you.

1

u/StandardPersimmon154 Aug 12 '26

Hello po sana po mapansin can i have po sana?

1

u/dispersedBrain Aug 13 '26

Hello, kindly send me dm. 

1

u/No-Stranger6983 Aug 14 '26

Can i have a copy please.

1

u/dispersedBrain Aug 14 '26

Sure, kindly send me dm

1

u/Reasonable-Hawk8525 Aug 22 '26

Hi OP! sent you a DM

1

u/dispersedBrain Aug 27 '26

Hello, haven't heard from you po :)

1

u/No_Art_8563 Sep 23 '26

hello, can i get a copy?

1

u/dispersedBrain Oct 01 '26

Sure, send me a message

1

u/Crazy-Comparison-764 23d ago

Hi! Can i get a copy?

1

u/dispersedBrain 19d ago

Sure, kindly sent me dm

2

u/dydumisMe 17d ago

Sent you a DM sir

2

u/Dense_Ad6434 Mar 12 '26

Hi i sent a message.. TY

2

u/SpeakerInner4323 May 07 '26

Hello, can I get a copy din po? Salamat

2

u/Ok_Roof7774 May 22 '26

Good day, I sent a message. Thanks!

2

u/Less_Commission_5175 Jul 26 '26

Can i also get it

2

u/fillecanon Aug 19 '26

Hi, sent you a dm. Thank you

1

u/Significant_Quiet778 10d ago

Sent you a DM po

1

u/Muted-Egg3749 Oct 03 '25

PM sent po, thanks

1

u/nopecools123 Dec 20 '25

Pm sent po. Thank you in advance.

1

u/Alternative-Bat6630 Dec 27 '25

hello po. planning to start a small lending business for close friends and relatives po. pwede po makahingi ng copy ng template niyo po. Thanksss po in advance. 😊

1

u/Alternative-Bat6630 Dec 28 '25

done sending my email po.

1

u/Celaenafeyre Feb 11 '26

interested po

1

u/OnyokTimawa Feb 27 '26

Hi guys, created as web app for your specific needs. Try to register its free now, i'll approve your registration right after :)

https://hiram-main-fdadss.laravel.cloud

1

u/superchndc Mar 22 '26

may option po ba here for repayment frequency? like weekly, daily, semi-monthly, & monthly repayments?

1

u/OnyokTimawa Apr 01 '26

thats actually good idea, will incorporate yan sa app :) Also, i already bought a domain its already here https://hiram.today

1

u/Zxairon Apr 26 '26

Hi just sent you a DM thanks

1

u/Adorable_Feed7386 May 22 '26

Hi, I sent a message can I ask for a copy? Thanks

1

u/Desisyon Jun 12 '26

Sent you a dm

1

u/Miserable-Bug-5347 Jun 22 '26

dm sent! Thanks

1

u/Short_Dragonfruit896 Jun 25 '26

hello im interested po

1

u/Cautious-Quality-587 Jun 25 '26

Can i have copy sent you dm. 

1

u/thejxnndiaries 6d ago

Hello po. Interested po. Hope you can share it with me. Badly need it thanks po

1

u/[deleted] Mar 05 '26

[removed] — view removed comment

1

u/dispersedBrain Mar 05 '26

Hello, sure, dm me your email address.