LoanShark — Loan Management, Built for Naira

LoanShark is a complete, white-label loan management platform purpose-built for the Nigerian fintech market. Spin up your own digital lender in days, not months — with full source code for the customer-facing Flutter mobile app, the Laravel 12 REST API, and the FilamentPHP admin console.

Everything you need to run a regulated digital lending business is included: KYC with BVN/NIN verification, NUBAN bank account linking, instant disbursement via Paystack/Flutterwave/Monnify, automated penalty engines, repayment reminders via Termii SMS, and a complete loan lifecycle from application to write-off.

What's Inside

• Flutter mobile app (62 Dart files) — Customer-facing app with Riverpod state management, GoRouter navigation, and Dio networking. Five professionally designed themes ship out of the box.
• Laravel 12 API (96 PHP files) — REST API versioned at /api/v1/, Sanctum token authentication, queued jobs for disbursement and reminders.
• FilamentPHP v3 admin — Approve loans, manage users, configure penalty rules, view repayment dashboards, export to CSV.
• Identity & payments adapters — Pluggable providers: Dojah / Prembly / Youverify for KYC, Paystack / Flutterwave / Monnify for disbursement.
• Naira-native — DECIMAL(15,2) money handling, NGN formatting, Nigerian phone validation (+234, 070x/080x/081x/090x/091x), 11-digit BVN/NIN, 10-digit NUBAN.

Five Production-Ready Themes

Switch the entire app's look in one config flag:

1. Sterling — Navy + Gold (DM Sans + Inter) — the trustworthy banker
2. Evergreen — Forest Green + Terracotta (Plus Jakarta Sans + Source Sans 3) — the cooperative lender
3. Ember — Burnt Orange + Teal (Outfit + Nunito Sans) — the energetic challenger
4. Slate — Graphite + Cyan (Space Grotesk + IBM Plex Sans) — the modern fintech (with dark mode)
5. Monarch — Burgundy + Gold (Playfair Display + Lato) — the premium private lender

Loan Lifecycle

1. Customer applies in-app (or admin creates loan manually)
2. KYC runs against BVN/NIN provider
3. Risk scoring + approval (manual or rule-based)
4. Funds disbursed instantly to NUBAN via Paystack/Flutterwave
5. Repayment schedule auto-generated; daily loan:check-overdue cron flags lateness
6. loan:apply-penalties cron applies your configured penalty rules
7. Termii SMS reminders fire at configurable intervals
8. Customer repays via card/transfer/USSD; admin can write off or restructure

What Ships Day One

• Onboarding with BVN/NIN/NUBAN capture
• Loan products (configurable interest, tenor, penalty rules)
• In-app loan application with affordability check
• Push notifications + SMS reminders
• Repayment schedule view, partial repayments, early settlement
• Admin dashboard with loan KPIs, NPL ratio, collections funnel
• php artisan loanshark:install install wizard
• php artisan loanshark:demo seeds 50 users + 200 loans for demos

Who This Is For

• Aspiring digital lenders launching in Nigeria
• Cooperatives & microfinance banks digitising operations
• Existing fintechs adding a lending vertical
• Agencies building loan apps for clients

Fully white-label. No SaaS fees. One-time payment, lifetime use.