A multi-tenant business-to-business platform that SEC-registered Philippine lending companies run their whole operation on. Kabuhayan is a platform, not a lender; each partner is the lender of record under the Philippine lending and financing company laws (RA 9474 and RA 8556). It turns origination, servicing, collections, capital, and compliance into one auditable system.
What it does
- Multi-tenant partner portal with 9 subscription tiers, from solo lenders to multi-branch operations
- Full loan lifecycle with origination, servicing, repayment schedules, and an interest and fee engine
- Collections operations with collector assignment and field workflows
- Capital build-up (CBU) and contributor (CLIP) programs plus an investor trickle-back engine
- An Agimat XP gamification layer
- Built-in regulatory compliance for Truth in Lending EIR/APR disclosure (RA 3765), Data Privacy (RA 10173), and Anti-Money-Laundering (RA 9160)
- Append-only audit logging across every data change
How it's built
- Next.js (App Router) and React with TypeScript
- Supabase (PostgreSQL) with row-level security across 80+ tables for hard tenant isolation
- Business logic in Postgres RPCs
- PayMongo payment rails
- 565+ automated tests (Vitest) with ADR-driven architecture and disciplined migrations
- Deployed on Vercel
- Built solo with a spec-driven, agentic development workflow