Loans overview

Mambu lending is configured at two levels:

• Loan products define the template a loan account is created from — which payment methods are allowed, which features can be enabled, how interest is calculated.
• Loan accounts are instances created against a product. Account-level capabilities are gated by the product they belong to: if a feature isn't enabled on the product, it isn't available on the account.

Most "I can't find option X on this account" questions are about a product-level setting. The matrix below shows which product-level decisions unlock which downstream capabilities.

Loan types at a glance

The basic five loan product types you can choose between on the product setup form are defined here: Loan product types.

In addition, two specific capital-repayment configurations are documented as their own product variants:

• Dynamic Mortgages — equal-installment capital repayment loans sharing characteristics with Dynamic Term loans, with their own interest options and feature set.
• Interest-Only Equal Installment Loans — equal-installment loans where each installment is interest-only.

Capabilities and prerequisites

Each row names a capability and the configuration prerequisites that have to be in place before it works. Blank cells mean the linked page does not state a constraint on that dimension. Where you need detail beyond what's tabulated, the linked page is the canonical reference.

Capability	Required product type	Required interest / schedule	Other product-level prerequisites
Redraw and Offset	Dynamic Term	Declining Balance (Equal Installments) + Simple Interest calculated using Principal and Interest	—
Fee Capitalization	Dynamic Mortgages or Interest-Only Equal Installment	—	Fee configured at product level (capitalization decision made when applied)
Principal Overpayment (non-scheduled)	Dynamic Mortgages (Interest-Only via Custom Repayment)	—	Account must have no late installments at time of overpayment
Payment Holidays	Dynamic Mortgages or Interest-Only Equal Installment	—	Configured inRepayments Schedule Editing on the product
Initial Payment Adjustment	Dynamic Mortgages (checkbox-driven) or Interest-Only Equal Installment (default-on)	—	—
Carry-Forward at reschedule / refinance	Dynamic Mortgages or Interest-Only Equal Installment	—	Custom Repayment Allocation enabled
Unapplied Funds	Dynamic Mortgages or Interest-Only Equal Installment	—	Allow Unapplied Funds enabled on the product + Unapplied Funds liability GL entry point configured in Accounting Rules
Securities (Guarantors / Collateral)	Any	—	Enabled at loan product level
Funding Sources (P2P)	Fixed Term or Dynamic Term (excludes Fixed Term with Payment Plan)	—	Deposit product with Funding Sources enabled + Funding Sources enabled on the loan product
Interest on Arrears decoupling	Dynamic Mortgages or Interest-Only Equal Installment	—	Accrue Late Interest enabled.

Other capabilities documented in this section

These have their own prerequisites described on their own pages; see the linked page for detail.

• Adjustable Interest Rates — compatible with Dynamic Mortgages (negative spread is not supported on dynamic mortgages).
• Compound Interest with Daily Rest
• Secondary Marketplace for P2P Loans
• Choose Prepayment Recalculation Method at Repayment Time
• Non-Scheduled Fee Allocation
• Payment Modification Thresholds — shared mechanism behind Fee Capitalization, Principal Overpayment, and interest-rate changes.

Navigating this section

The Loans sidebar follows the order you'd configure a product in:

1. Get started with loan products — creating, managing, and grouping loan products.
2. Choose a loan type — the parallel product-type decisions: fixed/dynamic term, revolving credit, mortgage variants, P2P.
3. Configure interest and schedule — how money moves: interest type, calculation method, schedule editing, repayment collection.
4. Configure fees, penalties, and arrears — fee, penalty, and arrears setup at product level.
5. Configure securities and controls — guarantors and collateral, internal controls, savings/loan linking.
6. Mortgage and interest-only capabilities — features available only on Dynamic Mortgage or Interest-Only Equal Installment products.
7. Redraw and offset — settings and account behavior for redraw/offset capability.
8. Working with loan accounts — day-to-day operations on a created account: creating, approving, disbursing, processing repayments.
9. Closing and exiting a loan account — paying off, writing off, terminating, withdrawing, or deleting an account.