🚀 Overview

Credit Lite is a robust loan and savings management system designed for microfinance institutions, cooperative societies, credit unions, and community banks.
It simplifies financial operations through automation, secure data management, and multi-branch control — all within a modern, web-based interface.

Whether you’re managing customer loans, deposits, repayments, or branch performance, Credit Lite ensures a seamless experience with role-based access, advanced reporting, and accounting automation.
This system provides a reliable and scalable foundation for small to mid-sized financial organizations seeking digital transformation.

✨ Key Features

• Multi-Branch Management: Administer multiple branches with independent staff, accounts, and transactions.
• Customer Profiles: Create detailed member records including ID verification, KYC, and contact details.
• Loan Management Module: Configure loan products, calculate interest, track repayments, and handle penalties automatically.
• Savings & Deposits: Manage member deposits, recurring savings, and withdrawals with flexible terms.
• Automated Accounting: Integrated double-entry bookkeeping and balance sheet synchronization.
• Repayment Scheduling: Generate amortization schedules and monitor overdue payments.
• Role-Based Access Control: Assign permissions for admins, accountants, branch managers, and field officers.
• Transaction Management: Record and audit deposits, withdrawals, loans, and refunds in real-time.
• Financial Reports: Generate statements, loan summaries, and branch performance analytics.
• Notifications & Alerts: Send automated SMS or email reminders for due dates, payments, and approvals.
• Multi-Currency Support: Manage transactions across different currencies for international branches.
• Responsive & Secure: SSL-ready, mobile-friendly interface with built-in data encryption and activity logs.

⚙️ Technical Stack

• Language: PHP 8.x
• Framework: Laravel 10.x / Custom MVC
• Database: MySQL / MariaDB
• Frontend: HTML5, Bootstrap 5, JavaScript, jQuery, AJAX
• Server: Apache / Nginx with PHP extensions (PDO, mbstring, gd, curl, zip, openssl)
• Other Requirements: Cron jobs for repayment automation and notifications, SSL recommended

🧩 Installation Guide

1. Upload all Credit Lite files to your hosting server.
2. Create a new MySQL database and import the included SQL file.
3. Update your .env file with database and app configurations.
4. Run the setup wizard via yourdomain.com/install.
5. Login as admin and configure branches, loan products, and user roles.

📘 The package includes a complete installation and setup documentation for quick deployment.

📦 Deliverables

• ✅ Full Credit Lite Source Code (GPL Licensed)
• ✅ Installation & Configuration Guide
• ✅ Database SQL File
• ✅ Sample Data & Product Configurations
• ✅ Developer Documentation & Customization Notes

📱 Supported Platforms

• Operating Systems: Linux, Windows, macOS (via compatible LAMP/LEMP stack)
• Devices: Desktop, Tablet, and Mobile Devices
• Browsers: Chrome, Firefox, Edge, Safari (latest versions)

🧠 Notes

• License: Distributed under the GNU General Public License (GPL) for educational, personal, and non-commercial use.
• Customization: Clean and modular codebase for developers to extend modules, payment gateways, or reporting tools.
• SEO Assurance: Optimized structure for internal dashboards and public interfaces (if enabled).
• Security Tip: Always use HTTPS and enable role-based permissions for staff and branch users.

👨‍💻 Original Developer Credit

Developed by CodeCanyon Author.
This GPL version is provided for educational and developmental purposes only, while fully crediting the original developer’s efforts and ownership.

🔒 Disclaimer

This software is not affiliated with or endorsed by the original developer or CodeCanyon.
It is redistributed under the GNU General Public License (GPL), which allows modification and study for educational and non-commercial uses.
All third-party trademarks and intellectual properties remain the property of their respective owners.