I’m building a dedicated platform for personal loans and need a complete system that takes an applicant from the first click through final repayment. Core modules I require are: • Loan application processing – a user-friendly front end that walks applicants through data capture, feeds the details into a secure back-office database, and triggers automated credit checks. • Payment tracking – real-time posting of instalments and late-fee logic, with borrower dashboards and internal reconciliation screens. • Reports generation – on-demand and scheduled PDF/CSV outputs covering portfolio performance, ageing, and compliance metrics. To streamline operations the system must connect seamlessly to three external services I already use: a credit-scoring agency (for soft and hard pulls), our chosen payment gateway (card, ACH), and cloud-based accounting software. Well-documented APIs for each are available; I’ll supply credentials and sandbox access. I’m open on the tech stack as long as security (PCI-DSS level handling for payment data) and scalability are addressed. A web interface plus REST/JSON endpoints for future mobile apps would be ideal. Source code, deployment instructions, and a short hand-off call will complete the deliverable.