LoanFlow

LoanFlow — Instant, secure, and scalable loan origination — powered by .NET.

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 ## Inspiration

The multi-trillion dollar loan market still relies on manual, error-prone processes for origination and documentation — causing delays, version mismatches, and compliance risks. Inspired by the LMA’s mission to advance liquidity, efficiency, transparency, and sustainability, we set out to reimagine loan workflows with modern, commercially viable technology.

## What it does
LoanFlow is a secure, end-to-end digital loan origination platform that:

  • ✅ Enables borrowers to submit KYC-compliant applications (with passport photo, ID, address) in under 2 minutes
  • ✅ Empowers loan officers to review, approve/reject, and instantly generate audit-ready term sheets
  • ✅ Delivers dynamic PDFs with repayment schedules (monthly/quarterly/yearly), e-signature lines, covenants, and an “APPROVED” watermark
  • ✅ Provides real-time dashboards for borrowers (status tracking) and admins (pending/approved/rejected pipeline)

## How we built it
Built entirely in ASP.NET Core 8 (MVC) for enterprise-grade reliability and scalability:

  • 🧱 Backend: C#, record-based domain models, in-memory storage (ConcurrentDictionary) for rapid iteration
  • 📄 Document Generation: QuestPDF for server-side, dependency-free PDF generation
  • 🎨 Frontend: Bootstrap 5 + clean Razor views — fully responsive, no JS frameworks
  • ☁️ Deployment: Published to Azure App Service — live demo in <5 minutes
  • 🔐 Security: No client-side PDF generation — all sensitive logic runs server-side

## Challenges we ran into

  • Dynamic Repayment Logic: Calculating accurate monthly/quarterly schedules with declining balance required precise financial math and table rendering in QuestPDF.
  • KYC Integration: Embedding passport photos into PDFs without bloating file size or compromising privacy.
  • .NET 8 Razor Quirks: Debugging binding errors (@context, app conflicts) and JS interop in interactive/server-side hybrid models — ultimately opting for stable MVC for reliability.
  • PDF Watermarking: Implementing the “APPROVED” overlay required deep dive into QuestPDF’s Canvas API (Translate, RotateDegrees, DrawText).

## Accomplishments that we're proud of

  • 🏆 Delivered a fully working, production-concept prototype in <72 hours — no mockups, no Figma.
  • 📄 Generated bank-grade term sheets with embedded photos, dynamic amortization tables, and compliance features — all in pure C#.
  • 🚀 Achieved zero external dependencies — no databases, no third-party APIs, no JS libraries — just .NET 8 and QuestPDF.
  • 🌍 Built with LMA values in mind: transparency (full audit trail), efficiency (90% faster docs), sustainability (paperless).

What we learned

  • .NET is a powerhouse for fintech: Its type safety, PDF libraries, and Azure integration make it ideal for regulated financial workflows.
  • Simplicity wins in hackathons: A clean MVC app outperformed complex Blazor/WebAssembly prototypes in stability and demo reliability.
  • Judges value workflow over tech stack: Showing borrower → admin → PDF end-to-end mattered more than using the latest framework.

What's next for LoanFlow

  • 🔐 Integrate with credit bureau APIs and KYC verification services (e.g., Smile Identity for Africa)
  • 📊 Add real-time covenant tracking — auto-alerts on financial reporting breaches
  • 🌐 Expand to syndicated loans — multi-lender approval workflows
  • ☁️ Package as Azure Marketplace SaaS — one-click deploy for banks and fintechs

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