Building a Smarter Way to Lend and Invest

Vigous partnered with a Bangalore-based fintech startup to design and develop a full-scale lending app. The goal was to connect investors and loanees on a secure, transparent, and easy-to-use platform. The result was a robust web and mobile solution that simplified lending, improved trust, and accelerated platform adoption.

Key Highlights

• Multi-role platform: Admin, Investor, and Loanee

• Real-time investment and loan matching

• Interest, yield, and maturity-based calculations

• Android & iOS mobile applications

The client faced several business and technical hurdles:

• Manual workflows for managing investors and loanees

• Low trust due to lack of transparency in loan details

• Scalability concerns with growing user demand

• No unified system for investment and loan tracking

• High dependency on offline processes

• No mobile access for users

Vigous adopted a user-first and security-driven approach:

• In-depth business model analysis for lending workflows

• Role-based user journey mapping for admin, investor, and loanee

• Scalable architecture planning for future growth

• Mobile-first UI/UX strategy for higher engagement

• Security-focused development for financial data protection

Vigous delivered an end-to-end lending ecosystem:

User Registration & Login System

• Secure onboarding for investors and loanees

Admin Panel

• Manage investors and loanees

• View and control investments and loan requests

Investor Panel

• Define investment amount and duration

• Browse loan requests and invest flexibly

• Track investment performance in real time

• View interest rate, expected yield, and maturity value

Loanee Panel

• Submit loan amount and duration requests

• View loan status and repayment details

Mobile Applications

• Android app

• iOS app

Business Impact

• Faster investment-to-loan matching

• Improved transparency and user trust

• Reduced manual operations

• Increased user engagement on mobile

• Clear financial transparency builds trust

• Role-based dashboards simplify complex workflows

• Smart interest and yield calculations improve decision-making

• Mobile apps increase accessibility and engagement

• Scalable architecture supports future growth

• Fintech users value clarity over complexity

• Showing yield and maturity upfront increases conversions

• Secure design is critical for financial platforms

• Mobile-first fintech solutions drive faster adoption