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Client app

Repayments in your borrowers’ pocket

A borrower app in your brand. Balances, schedules, FPS repayments and messages with your team, all on the same record your staff work from.

Book a personalised demo See what borrowers do

17,000+ borrower records managed across corporate clients using the Covenant Desk platform

Covenant Desk client app showing an active loan, current balance, next payment and repayment progress

Repay by scanning a code

Borrowers open the instalment, scan the FPS QR with their own banking app and send a payment claim. Your team confirms it against the account statement.

Repay screen with the instalment amount, total due and an FPS QR code
Loan schedule listing each instalment with its due date, amount and paid status

Every instalment, paid or due

The full schedule with dates, amounts and status, so borrowers stop calling to ask what they owe.

Request a loan screen in the borrower app with amount, term and the lender

Request a loan in the app

Pick an amount and a term and the request goes straight to the lender. iAM Smart identity confirmation is available, enabled for your institution on request.

One borrower record, every channel

What a borrower does in the app lands in the management portal your team already uses. Reminders, statements and receipts go out from the same record.

  • Management portal
  • FPS repayments
  • SMS reminders
  • WhatsApp
  • Statements
  • Receipts
Borrower app notifications: a payment due soon, a new message from the lender and confirmed repayments

Talk to your lender inside the app

Customers message your team from the loan screen. Staff reply from the portal, every message stays on the borrower’s record, and unread replies are marked so nothing gets missed.

See it in a personalised demo
Borrower app Messages screen with a conversation between the borrower and the lender
Scope

Who uses it

Borrowers, customer service staff, operations teams and managers running repayment, messaging, statement and request journeys.

Included

Borrower dashboard, loan detail, repayment schedules, FPS QR or instructions, repayment claims, messages, request tracking, statements and account controls.

Controls

Borrower reference or access-code login, lender branding, entitlements, data export and account preferences. No bank account is stored for FPS payments.

Boundaries

FPS and eDDA direct-debit repayment options are enabled for your bank. The app does not issue lending offers or move funds; payments go to your own account.

Demo Bring your borrower login method, FPS receiving details, statement expectations and messaging rules, and tell us whether you need native mobile apps.

Show borrowers a clearer repayment journey

We build the app with your brand, loan products and FPS details, then your team tries it before you decide.

Book a personalised demo