Change the Term (Account Lifetime)
On the Product tab, find the field labeled Lifetime and update it as needed.
This value represents the number of days the account remains active from the activation date.

Change the Minimum Principal Payment
On the Product tab, locate Minimum Principal Period Payment and modify the value as needed.
This is the fixed minimum amount the client must pay toward the principal.

Modify the Daily Interest Rate
Go to the Accrual Rules tab.

Find the accrual rule named Daily Interest Rate (the one with the base Remaining Principal) and adjust the Rate/Amount field as required.

Find the tap "Grace Period" and  click to "send" button

Managing your blacklist efficiently is essential for compliance, security, and operational clarity. Neofin CRM makes this process straightforward with both manual and bulk import methods. Follow this step-by-step guide to add users to your blacklist.

Step 1: Access the Blacklist Settings

To begin, navigate to the Blacklist section of your CRM:

📍 Path: Settings -> Black List
🔗 URL: /crm/settings/blacklist/

✅ Before You Proceed:
Check that your database structure matches the blacklist file format. If you haven’t configured the format yet, continue to Step 2. Otherwise, you can skip ahead to Step 3.

Step 2: Set Up the Blacklist Form Structure

If this is your first time using the blacklist, you’ll need to define its structure using the form editor.

📍 Path: Settings -> Form Editor -> Black List
🔗 URL: /crm/settings/form_editor/blacklist/

Example Fields:

• First Name
• Last Name

Make sure to save the form once it’s configured. This structure will be used for both single and bulk blacklist entries.

Step 3: Add Individuals to the Blacklist

Neofin CRM offers two ways to add users to your blacklist: individually or in bulk.

Option A: Add a Single Person

1. Navigate to:
   Settings -> Black List -> Import
2. Click the Add button.
3. Fill in the individual’s information.
4. Click Save.

Option B: Bulk Import Users

1. Navigate to:
   Settings -> Black List -> Import
2. Upload your file (xlsx or other supported formats).
   
3. Match the fields with your previously configured form (e.g., First Name, Last Name).
4. Hit the Import Button twice

5. Click Save.

✅ Best Practices

• Double-check your file structure before importing.
• Ensure that mandatory fields are filled to avoid errors.
• Keep your blacklist current for optimal CRM performance and regulatory compliance.

Start managing your blacklist smarter with Neofin CRM. If you need help with file formats or setup, reach out to our support team anytime.

Navigate to: yourdomain.com/crm/cpa/clients/list/

All requests from CPA Networks and landing pages created in the SiteBuilder are available under:
Affiliates → CPA Clients

The data table includes the following details:

• Lead status
• Date of creation
• CPA Network name (source of the lead)
• Client’s first and last name
• In the future, additional fields such as Client ID and Loan ID will be available after the lead is processed by a manager.

To view detailed lead information, click on the lead status. This will open the lead card with all relevant details.

Contact the client to confirm their intention to apply for a loan. If the client is ready, proceed with the loan application by:

• Clicking "Create Client"
• Following the steps for loan creation. Be sure that all necessary information filled out.

If the client does not wish to proceed with the loan application, update the lead status to "Rejected" by clicking the "Reject" button.

That’s it! You have successfully processed a CPA client request.

1. Open an application that has 'Overdue' status

2. Click to Write-Off

3. Follow these simple steps to have the Write-off completed

Fill out the general information

A) The amount that the client should pay to close the loan
B) The system automatically calculates the amount that should be a write-off
C) Until this specific date loan has the Write-off status and the Neofin as a system waits for the client’s income payment
D) Reason that describes why the manager (administrator) allows to make a write-off possible for client
E) Any kind of comment for this Write-off request

3. The system waits for the payment from the client. Managers can create transactions manually.

4. Follow to Write-off tab to check what amount should be paid and what amount automatically would be reduced.

In the tab, you can discover additional information with status.
Important: if a payment amount is equal to or more than the settlement amount Neofin will create a write-off transaction automatically.
And the status of the write-off will be changed,

The loan status will be changed to 'Closed' at the same time.

Use this test case

A) Create an “income” transaction with the settlement amount

Do not forget to use the correct confirmation date

2) Pay attention to status.  The status should be 'Successful'

In the list of transactions, you find two find two different items

Write off transactions and Income that the client has done.

How to Process a Write-Off in the Debt Collection Component

When managing outstanding debts, there are cases where you need to perform a write-off to account for unrecoverable amounts. This guide will walk you through how to execute a write-off for various parts of accrued interest—Principal, Interest, and Penalty—within the Debt Collection component.

Step-by-Step: Executing a Write-Off

Open the Debt Collection Component
Navigate to the relevant debt record within the Debt Collection interface.

Click the “Write-Off” Button
On the debt entry, locate and click the Write-Off button. This will open the write-off request form.

Enter the Write-Off Amount
Specify the total amount you wish to write off.
Example: USD 600

Distribute the Write-Off Amount
In the right-hand side menu, find the Distribution Rules tab.

Allocate the Amount Across Components
Input the appropriate amounts for Principal, Interest, and Penalty based on your allocation strategy. Ensure that the sum of the distributed amounts equals the total write-off amount.

Save the Request
Once you’ve correctly entered the distribution, click Save to submit the write-off request.

Draft - A completed application, following the configured rules, can remain in 'Draft' status for a certain period.  You can modify the time limit in Settings - Credits - Withdrawn rules.

New - A transition to filling out the credit entity fields before submitting all the fields of the credit application is displayed in the system as 'New' status.

Wait Decision - A credit application is created and sent for scoring (according to the regulations, the status should not exceed 60 seconds).

Rejected - Depending on the Underwriting Studio settings, the 'Rejected' status will be displayed in the case of an automatic decline (scoring or pre-scoring) according to the scoring rules or after a manual decision.

Client Declined - In the client's profile, the selected application can be manually set to the status 'Client Declined'.

Manual - This status indicates that the application is awaiting manual data verification. After verification, one of the statuses (Rejected/Approved) will be assigned.

Approved - Depending on the scoring settings, this status may be assigned automatically when the rules are processed or by a manager after manual verification and approval of the application. When the status is set to "Approved," a document package is generated for signature.

Signed - After data verification and application approval, the client needs to sign the documents to change the status to "Signed."

• Sign online in the borrower's account
• Additionally:

a) Print documents package offline

b) Provide for signature

c) Scan the signed documents

d) Upload them to the "Signed documents" tab

• All documents will be accessible within the credit application.

Ready to Fund - After signing or uploading scanned copies of the signed documents, the application status changes to "Ready to Fund." Funding can be either automatic or manual (based on settings). A loan ready for funding is available via the path Deals-> Loans -> Ready to Fund. Select the necessary application, and click on "Fund Loan" (first, double-check all application information). By default, applications are funded automatically without validation and do not appear in the "Ready to Fund" tab.

Wait Payout - In the "Wait Payout" status, the application remains until the transaction status becomes "Successful." If the status does not change for an extended period, it is necessary to check the transaction status and contact support if there's an error, then attempt to resend the funds.

Issued - All data is verified, the application is funded, and the funds are successfully sent to the client. The transaction has the status "Successful."

Overdue - The client has not made the monthly payment according to the loan repayment schedule or has paid an insufficient amount. In this case, the application status changes to "Overdue."

Closed - The client has repaid the loan according to the loan repayment schedule, with no outstanding debt, and the status changes to "Closed."

Withdrawn - Canceled applications are moved to the "Withdrawn" status. It is also possible to set a period for the application to remain in this status.

For the convenience of managing overdue payments and inactive subscriptions, we have implemented a convenient and familiar Kanban board tool for managing managers' tasks.

How to set up the board for the manager? You need to go to Settings - Debt Collection (Past Due Tracker) -> find the tab on the right called Kanban Fields Rules.

In this section, you will have access to parameters that can be displayed on the task card. For example - the client's name, overdue payment amount, task name, task color, and description.

Each parameter can change its position on the card for convenience and can be modified at any time.

To start working on a task, simply click on the card anywhere, and information about the deal will be displayed.

To record the result of working with the client, click the Perform button and go to the form to record the call results.

Check it out and have a wonderful working day.

To create a new stage for deals, click on ADD. In the new form, fill in all the required fields and save the new stage for deals.

Thanks to this feature, you can control the manager's workflow at each stage of overdue payment on the schedule and prepare a strategy for automating the acceptance of overdue payments by company managers using a sequence of actions that will reduce the number of manual tasks and increase manager efficiency!

After the new stage is saved in the database, find the tab -> Actions.

Then create a new action for this stage by clicking on -> Create Action and filling in the action parameters!

For overdue payments from 1 to 2 days, it is necessary to call the customer and remind them of the payment. The manager will have a list of possible outcomes for such action: the customer answered the call, the customer promised to make the payment, or the customer did not answer. Additionally, for each action, it is possible to create:

• Color: displayed in the list of deals with missed payments to quickly recognize the action that needs to be taken with the deal.
• Priority: shows the sequence in which the task should be processed.
• DPD (Days Past Due): at how many days overdue the payment should this action be assigned to the manager?
• Task description: for internal use by administrators and managers.
• Results for the action: the ability to create a list of available outcomes for the manager, as seen in the example above.

After creating the task and when the deal transitions to this stage, the action will be assigned to the manager and available to the manager as tasks in the Debt Collection (Past Due Tracker) menu item.

To configure email settings, follow these steps:

1. Navigate to Settings: Go to the Settings section of your application.
2. Access Communication Settings: Within Settings, find the Communication tab and click on Email.
3. General Settings: Under the Email section, locate the General Settings option.

Choose Configuration Option: You will have two configuration options:

• a) Configure Your Own SMTP Server: If you prefer to use your own SMTP server, select this option and enter the required server details.
• b) Use Pre-Ready Integration with Brevo (SendingBlue): For a simpler setup, choose this option.

Fill out Brevo Credentials: If you opt for Brevo integration, provide the following details:

• Pseudonym: Enter the pseudonym to be used for sign-in and login messages.
• Sending Pseudonym: Specify the pseudonym for mass sending campaigns.
• API URL: Provide the API URL required for integration.
• API Key: Enter your API key to authenticate the integration.

Save Changes: After filling out the necessary information, save your settings to apply the configuration.

By following these steps, you can successfully set up your email configuration using Brevo integration or your own SMTP server.

1. Navigate to the App info and Preferences menu item.
2. Scroll down the page to find the Password parameter.
3. Click on Show Password to reveal the password.
4. This password is what you should use to access your application control panel.

To enhance security, for each stage instance, you should use a custom 2FA (Two-Factor Authentication) token. The default token for stage instances is 1111. When accessing your stage instance, ensure to enter this token along with your credentials for added security.

Additionally, you have the option to enable 2FA mode for production instances. If you choose to do so, please make sure that you have configured the SMTP server settings within your own application. This ensures that you receive necessary notifications and authentication requests through email when using the production 2FA mode.

To manage your 2FA settings or configure the production 2FA mode, you should navigate to the respective sections in your application's admin panel.

Please follow this link to set up your SMTP configuration.

1. Creating Tags for Client Profiles:

a. Navigate to Settings.

b. Select Clients from the menu.

c. Choose Tags.

d. Click on Create in the left-side menu.

e. Add a color and a name to the tag. f. Save the tag. g. The created tag is now available for use in the client profile under the Tags section.

f. Save this tag.

2. Creating Tags for Loan Applications (Deals):
a. Go to Settings.
b. Click on Loan from the menu.
c. Select Tags.
d. Click on Create in the left-side menu.
e. Add a color and a name to the tag.
f. Save the tag.
g. The created tag is now available for use in the loan application (deal) under the Tags section.

3. Viewing and Editing Created Tags:

a. In Settings, navigate to Tags.

b. Here, you can see a list of all created tags.

c. Click on any tag to edit its details or delete it if necessary.

Note: Tags provide a convenient way to categorize and organize clients and loan applications. Use them wisely to enhance your workflow efficiency.

4. SMS/Email Campaigns with Using Tags:

• Go to Sendings.
• Click on Create Campaign.
• Define the campaign details and content.
• In Audience Preferences, choose the specific tag you created for the campaign (e.g., "Promotional Campaign").
• Specify whether you want to target loan applications or client profiles based on this tag.
• Set up actions based on the tag:
• For Loan Applications: Define actions like sending repayment reminders or promotional offers directly related to their loan status.
• For Client Profiles: Set up actions such as sending personalized marketing messages or loyalty rewards.
  

5. Debt Collection Tags Setup in Neofin:

Automated Tagging for Overdue Loans:

• When a loan becomes overdue, Neofin's automated system detects the loan status and its corresponding stage.
• The system automatically assigns the relevant debt collection stage tag to the overdue loan application.

Tagging Client Profiles for Debt Collection:

• If you are managing debt collection at the client manager level, the tag will be attached to the client's profile when their loan becomes overdue.
• Each stage of the loan can accommodate multiple tags for various debt collection scenarios.

Setting Up Tags for Stages:

• Navigate to Settings.
• Select Debt Collection Stages.
• Choose the specific stage where you want to add tags.
• In the "Tags" tab, add the necessary tags for this stage.
• Save your changes.
• These tags will automatically be attached to the corresponding loan deal when it reaches the designated stage.
  

By following these steps, you can efficiently manage debt collection stages in Neofin. Properly tagged loans enable targeted communication and streamlined actions, enhancing your debt collection efforts.

Once you have followed the main steps described in Get Started, Site Builder, User Flow Editor, and Origination sections, you can start working with the Loan Management System.

Loan Management System is a tool that you can use to add your clients’ loans into the system.

For example, a client has come to your company’s branch with a request to apply for a loan. A branch manager can manually add the client into the system, select a loan product for him/her, approve the application and fund it.

We will look at how to do this.

1. Type your company’s domain into the address bar and add /loans. For example, https://student-loan.aws.neofin.global/loans/

In this case, you ended up on the previously created Override page – Loan request.

If your page styles are not displayed correctly, add CDN url https://cdn.tailwindcss.com in the JS Static block under Site Builder – Settings and save the changes.

Now let’s go back to our page https://student-loan.aws.neofin.global/loans/

Here you will see the Loan Form. Fill out it and click Send.

2. This will open the Client Form page. Fill out the fields and click Send.

3. And then you will see the Select card page. It allows users to send you their billing information for repaying the loan. By default, it looks like this:

To change the visual display and content of this page, you need to create an Override page – Select payout card under Site Builder.

Next, click Edit to enter the editor mode. On the right side under Blocks, scroll down to the bottom and you will see the Predefined tab with the ACHQ button block. This is a button for the ACHQ provider, that has some logic already built in.

So, you can use different blocks as well as the ACHQ button to customize the content of the Select card page.

4. After clicking Select, you will see Wait decision page. This page is required to decide whether to issue a loan to a client (approve a loan application) or reject it.

To change the visual display and content of this page, you need to create an Override page – Wait decision under Site Builder.

Then click Edit, and in the editor mode, use the blocks to customize the page content.

5. You can configure the system to make decisions automatically. We will discuss this in more detail in the Origination section.

You can also manually approve or reject an application. Go to Underwriting – Manual and click the application.

6. Next, click Decision.

7. Select Approve and click Confirm

In the Clients tab, you can also view the data on the client who submitted a loan application.

If you refresh the decision page for an application that has been approved, you will see the following by default:

That is all. We have looked at the basic scenarios of creating and configuring Loan Form and Client Form. Next, we’ll get into how to create a printed form of a document, how to send it for signature and how to create a loan product.

1. In the Stage instance of your App, go to Settings – Form Editor – Client.

2. Add the required fields in the same way as when creating the form for Loan. For example, you want to add Name, Age, Address fields.

3. Next, go to Site Builder and create an Override page – Fill client (or go to the existing page if you have previously created one).

4. Click Edit to enter the Site Builder editor mode.

5. Next, add the form and the required fields. Follow the same steps 7–13 when creating the Loan form.

1. In the Stage instance of your App, go to Settings – Payments – Payout.

This block is required to select a loan payment provider. For example, the loan will be paid on a plastic card or bank account without using a card.

If you want to test how it will work, select Debug from the drop-down list.

Select your desired Payment Provider and click Save.

2. Then go to Settings – Form Editor – Loan.

3. You will see the form editor. Here you can add fields to be used in the form. Drag the required field into the blue area.

For example, you need to add a field in which the user will specify the amount of his/her income. Drag the Number field.

In the window that appears, in the Label field, specify the name of the field, in our case – Your income.

If you need to make this field mandatory, go to the Validation tab and check the box next to Required.

If required, you can set your own field names. Go to the API tab and specify the name of the field that you need.

Next, click Save.

Add the rest of the required fields in the same way.

The form can be configured in such a way that it has multiple pages. Click Page and add the required fields to it.

You can also use fields from the Predefined components tab.

4. Once you have added all the required fields, click Save.

5. Next, go to Site Builder and create Override page – Loan request (or go to the existing page if you have previously created one).

6. Click Edit to enter the Site Builder editor mode.

7. In the Blocks tab, find the Forms section and drag the Form block to the area of the Landing page where the form should appear.

8. The default fields are initially displayed in the form.

These fields should be deleted. Click the Layers icon.

Click Form in the layer list. In the drop-down list, you will see all the elements contained in the form. Click on one of the elements and you will see the element that is currently highlighted.

Click Delete. So, delete all elements except the button. You can see the following:

9. Then go to the Blocks tab, scroll down to the bottom and under Predefined you will see the previously created fields: Your income, Job title, Bank. Also, you can see Amount and Term fields here.

10. Drag each field into the form area. Please note that if the field is not in the form, the data entered by the user will not be recorded to the loan card.

This is what it looks like:

11. Go to the Layers tab, click the form and then select Open Style Manager.

12. Click Settings and select Post in Method. Click Save.

13. Click the button in the form, select Type – Submit in the Layers tab under Settings. Click Save.