Loan City

Web Application Development

Loan City is a digital loan comparison platform for a Singapore-based client. It has three portals, one each for admins, lenders, and borrowers, plus a public landing page. The platform serves both consumers and businesses in fintech.

Loan City centralizes and automates the whole loan application process, from the borrower’s application to the lender’s disbursement. This improves transparency, cuts manual work, and speeds up decisions.

We built the first phase in 3 months under a fixed-price model. After go-live, the work moved to a dedicated development center (ODC) model.

What The Client Required

Authentication and security

Role-based sign-in and sign-out for Admin, Lender, and Borrower
A separate login URL for each portal
Forgot password and change password workflows
Automatic session timeout after inactivity
No self-sign-up on the Admin and Lender portals, for controlled access
Singpass identity verification for borrowers

Borrower portal

A loan application form, filled in manually or through Singpass
Auto-fill of personal and financial data from Singpass MyInfo
Upload and preview of supporting documents
Real-time tracking of the loan application
Automatic email confirmation and application ID

Lender portal

A dashboard of all active borrower applications
A full application view with borrower details and attached documents, with download and preview
An offer creation and approval workflow
A real-time communication trail between borrower and lender

Admin portal

User management
Compliance and audit management
Centralized monitoring
Automated email notifications

Discovery and Consulting

The client came to us with AI-generated requirements and no clear roadmap. We ran a two-week consulting phase to turn the idea into a structured, buildable plan.

Requirement Consolidation: Grouped requirements into modules and set the Phase 1 MVP scope
Technology Advisory: Selected a scalable, secure stack that fits Singapore’s financial rules
WBS and Delivery Plan: Mapped all modules, dependencies, effort, and milestones
Delivery Model: Combined waterfall for requirements with agile sprints for execution

Challenges

Tight Timeline: Four major modules had to be delivered in three months.
Complex Multi-Role Logic: Admin, lender, and borrower actions had to stay in sync, with automatic loan status changes.
Data Security and Compliance: The platform handles sensitive financial data under Singapore’s regulatory requirements.
Parallel Workstreams: Several roles had to work on dependent modules at the same time.

Solutions

Sprint-Based Micro-Planning: We ran weekly sprints with small deliverables and daily internal syncs.
Detailed Workflow Mapping: Early prototyping captured the business logic and automated the transitions between borrower, lender, and admin actions.
Security-First Development: We applied authentication, encryption, and audit trails in line with Singapore’s standards.
Continuous Client Engagement: Weekly review sessions kept the client informed and gave us real-time feedback.
Cross-Functional Collaboration: BA, design, development, and QC worked in overlapping cycles to keep speed and quality.

Reporting

Our Project Manager reported directly to the client throughout the build. Weekly review sessions and demos showed progress across the borrower, lender, and admin portals, so the client could share feedback early and sign off on each deliverable right away.

Before go-live, every module passed QC testing and client UAT to confirm it met the agreed scope. The same reporting routine continued after the move to the ODC model.

Building A Team

We assembled a cross-functional team made up entirely of senior professionals. BA and design prepared the next sprint while developers and QC worked on the current one, which kept delivery fast.

01. Project Manager

Oversaw planning, client communication, and delivery milestones.

02. Business Analyst

Defined business rules and aligned requirements across the three portals.

03. 6 Developers

Backend and frontend specialists who built the Admin, Lender, and Borrower modules in parallel.

04. UI/UX Designer and QC Engineer

Designed role-specific interfaces and tested every feature before release.

Results and Business Impact

Loan City launched on time and moved into an ongoing ODC partnership. The results below show how the platform changed the way borrowers and lenders connect.

Launched in Three Months: All four major modules went live on schedule under the fixed-price model.

50+ Lenders and 2,000+ Borrowers: Both sides of the platform were onboarded within the first three months.

90% Match Accuracy in Under 3 Seconds: The Loan Matching Engine reached 90% accuracy in UAT, with an average match time under 3 seconds per application.

60% Faster Loan Approval: Automated matching cut approval time by 60% compared with the manual process.

40% Less Manual Processing: Automated workflows and interaction logs reduced manual work and improved transparency for every user.

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