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How to upload custom loan schedules during loan booking
In Lendsqr, the Upload Schedule feature allows you to define a custom repayment schedule when manually booking a loan. Instead of using the standard schedule logic, you can upload an Excel file containing specific due dates and payment breakdowns. This is especially useful for data migrations and non‑standard repayment structures such as balloon payments or seasonal terms.
What is a custom loan schedule?
A loan schedule is the repayment plan attached to a loan — it lists every installment date, the amount due, and how it breaks down into principal and interest.
Normally, Lendsqr calculates this schedule automatically based on your loan product settings: the amount, interest rate, tenor, and repayment frequency. But there are situations where a lender needs to use a custom schedule instead of the system-generated one:
You are migrating existing loans from another platform and each loan already has an agreed repayment plan.
You have negotiated a non-standard schedule with a borrower — for example, irregular installment amounts due to seasonal income.
A field agent has already structured a loan with specific repayment dates that do not match any standard product template.
Lendsqr allows you to upload these custom schedules during the manual loan booking process, so all loans — no matter where they originated — are tracked in one place.
Note: Uploading a custom schedule bypasses the loan product’s standard schedule logic — including max tenor, principal limits, or default frequency rules.
Required and Optional Fields
Your upload file must be a properly formatted Excel (.xlsx) file with the following columns:
✔ Required Fields
Field
Description
date
Repayment due date (format: yyyy‑mm‑dd)
principal
Principal due on that date
interest
Interest due on that date
⚪ Optional Fields
Field
Description
fees
Any additional fees due on that schedule
penalty
Penalty amount applicable
principal_paid
Amount of principal already paid (migration)
interest_paid
Amount of interest already paid
fees_paid
Fees already paid
penalty_paid
Penalty already paid
paid_date
Actual date payment was made
Using optional fields lets you migrate historical repayment data precisely, including amounts already settled, which is critical in loan book transitions.
You’ll also have access to a downloadable sample template that outlines all the required and optional fields, making it easier to format your uploads correctly.
Limitations and Validation Rules
Before uploading:
The system allows a maximum of 120 schedules per loan. Any file exceeding this will be rejected.
Custom schedules ignore product constraints such as max tenor and standard installment frequency.
All dates in the schedule must be valid and in yyyy‑mm‑dd format. Invalid date formats will cause upload errors.
How to upload a custom loan schedule
There are two main flows to upload a custom loan schedule during loan booking: from the Loans page and from the Get Started page.
Flow 1: From the Loans Page
Log in to the Lendsqr admin console.
Go to the left menu and select Loan Management → Loans.
Click Book New Loan.
On the Book New Loan form, click Download Sample Schedule to get the template.
Complete the loan booking fields (borrower, amount, product, etc.).
Open the downloaded Excel file and fill in the required schedule rows (due dates, principal, interest, etc.).
In the same form, locate Upload Schedule and click Choose File, then select your Excel schedule file.
Click Book Loan to finalize.
Once uploaded, the system attaches the custom schedule to the loan. You will see the schedule reflected in the loan details and its repayment timeline.
Flow 2: From the “Get Started” Page
1. Use the Get Started shortcut for first‑time users and click Book your first loan.
2. On the booking screen, click Download Sample Schedule to get the template.
3. After downloading and filling out the schedule file, proceed to upload it, by using the ‘Choose file’ button
4. After upload, Click Review Offer to see a summary and confirm the loan booking.
What Happens After Upload
The system attaches the custom schedule to the loan before it is formally booked.
Repayment installments, due dates, and amounts are stored exactly as listed.
Repayment tracking and aging reports will use your schedule instead of the generated default.
Historical paid amounts (if imported) will reflect correctly in reporting and portfolio management.
Common Issues and Troubleshooting
❗ File Rejected Due to Too Many Schedules
Cause: More than 120 repayment rows. Fix: Reduce the number of rows; ensure you do not exceed the max allowed.
❗ Invalid Date Format
Cause: Dates not in yyyy‑mm‑dd format. Fix: Correct dates to use the required format.
❗ File Doesn’t Upload
Cause: File type not recognized or columns misnamed. Fix: Ensure the Excel file matches the sample template exactly and uses the required column headers.
❗ Custom Schedule Skips Standard Product Rules
Reason: Custom upload overrides product defaults. Note: This is expected behavior — validate your schedule before uploading.
Best Practices
Communicate clearly with your team or auditors on any custom schedules added, especially when they deviate from standard schedules.
Always download and use the latest sample template to avoid formatting errors.
Validate all dates and numeric values before uploading.
For migrations, include paid amounts and paid dates when available for accurate historical reporting.
Frequently asked questions
Can I upload a custom schedule for a loan product that already has auto-generation configured?
Yes. The custom upload overrides the auto-generated schedule for that specific loan only. Your loan product settings remain unchanged and new loans under that product will still use the auto-generated schedule by default.
What file format is accepted for the schedule upload?
Lendsqr typically accepts Excel files for schedule uploads. Download the template provided in the upload dialog to ensure your file matches the expected column structure. Files with missing or incorrectly named columns will not process successfully.
Can I update a custom schedule after the loan has been booked?
Yes. Admins with appropriate permissions can modify a loan schedule from the loan detail page. Any changes are logged in the loan’s activity history, making it easy to track what changed and when.
Uploading a custom loan schedule during loan booking gives lenders the flexibility to support non‑standard repayment plans and data migrations, providing precise control over installment dates and amounts. By following this guide — including proper file formatting, validation understanding, and the step‑by‑step workflow — you can book loans with tailored schedules in Lendsqr with confidence.
