Hi Wilfred and All, There is no specific feature available for co-lending but Fineract offers a new Functionality "Asset Externalization" which allows organizations to sell their loans(portfolios) to other Funders. But right now it is built only to support 100% of loan Sell and Buybacks but doesn't yet support the sharing of two owners to the same loan account.
I believe the current "Asset Externalization" which is fully functional can be extended further to support owner sharing based on % as well. Attached links contains More Details of Asset Externalization for your reference https://drive.google.com/file/d/1G0yXqHx9u-3_3fAH8oeA8T5hHh9Ij4Kp/view?usp=drivesdk https://drive.google.com/file/d/1aNrj5ygssOic39J6gRARTdNV5d77ewAs/view?usp=drivesdk Regards, Bharath Lead Implementation Analyst | Mifos Initiative PMC Member | Apache Fineract Mobile: +91.7019635592 http://mifos.org <http://facebook.com/mifos> <http://www.twitter.com/mifos> On Thu, Sep 11, 2025, 5:13 PM Paul <[email protected]> wrote: > Co-lending - Split participations are relatively complex. > > Lender A may be invested at a 9% yield and be the servicer charging > serving fees. > They may keep late fees or split them based on ownership %. > Lender B may be at a 7.5% yield with Lender A retaining rate spread. > > Participations may have multiple investors . . . and of course the > customer's accounting is NOT impacted in any way by the investor or number > of investors. > Then there are multiple reporting and compliance requirements to consider. > > I'm not familiar with what Fineract can support today, but IMO the effort > would need a dedicated group/team, servicing domain expert, months of > planning and requirement writing, then build and test. Testing would take > months and that is assuming +50% or more could be automated. > > Regards > Paul > > On Thu, Sep 11, 2025 at 1:38 AM Kigred Developer < > [email protected]> wrote: > >> @Bharath Gowda <[email protected]> >> I am suspecting you could be familiar with the co-lending subject. Do >> you think this qualifies as a new feature (or something worthy of being on >> a road map)?. >> The first time I interfaced with the term, it sounded exotic it sounded >> new but a couple of days later after discussing it with a colleague, it >> looks like something that can be accomplished by combining a couple >> existing features i.e (Accounting and a bit of automation if necessary). >> >> This is what I have so far understood about CO-LENDING: >> 1. BANK A issues a loan to a customer but this loan is not funded by BANK >> A alone. >> 2. There is another BANK B, that is providing the additional funds to >> make this happen (hence the term CO-LENDING). >> 3. To simplify it we can assume that BANK A took a loan themselves from >> BANK B (payable with interest). >> 4. The customer that took the may not even need to know that there is >> BANK B in the picture, his only obligation is to repay the loan they took >> with interest following the set installments. >> 5. Depending on the terms agreed between BANK A and BANK B, every time >> the customer makes a repayment to the loan they took, the outstanding >> balance will reduce and everything updated (normally), but additional >> accounting entries will be needed, that is BANK A settling their >> obligations to BANK B. >> >> That is all I believe there is to it, am I missing something? >> Regards >> Wilfred >> > > >
