LoanIntel
See every employee loan. Optimise the portfolio.
FinVeil extracts loan deductions from payroll, builds amortisation schedules, simulates rate changes, and recommends consolidation — so employees pay less interest and employers retain more talent.
Amortization calculator
See what your loan really costs.
Adjust the loan amount, interest rate, and term to see a full breakdown. FinVeil's LoanIntel runs this analysis automatically for every employee.
Monthly payment
R 3 345
Total principal
R 100 000
Total interest
R 20 433
Rate sensitivity: If the repo rate moves +1%, your monthly payment goes to R 3 394 (+R 48/month)
How it works
Three steps.
Extract loans
Loan deductions parsed automatically from payroll uploads.
Simulate & optimise
Amortisation schedules, rate-change simulations, and consolidation recommendations.
Track outcomes
Monitor loan-to-income ratios over time and measure the impact of interventions.
Benefits
Why teams choose LoanIntel.
Auto-extraction
No manual data entry. Loan details come from payroll.
Rate simulation
What happens if the repo rate moves 25bps? See the impact instantly.
Portfolio view
See all employee loans in one dashboard, sorted by risk.
Who it's for
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docsGET /api/loans/{id}/amortization
Authorization: Bearer $TOKEN
→ 200 OK
{ "monthlyPayment": 2450.00, "totalInterest": 18200.00,
"remainingTerm": 36, "effectiveRate": 12.5 }