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How to manually book a loan for a customer
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Manual loan booking is how lenders process loans for customers who cannot complete the application themselves. A credit officer or admin enters the loan details directly into the Lendsqr admin console on the customer’s behalf, and the system creates the loan request as if the customer had applied through the regular channel.
This is a common need in field lending, agent-assisted lending, and situations where a customer cannot access the app due to technical issues or limited connectivity. Rather than turning the customer away, the admin steps in and books the loan using information collected from the customer.
Only admins with the Super Admin role can manually book loans for customers.
Quick summary: who uses this feature and when
Manual loan booking is useful for the following situations:
A customer cannot access their phone or the borrower app at the time of application
A field agent is processing loans on behalf of customers in underserved areas
A customer needs funds urgently and requires an admin to process the request
A loan application failed partway through and the admin needs to re-enter it manually
The lender operates a partially offline loan channel for specific borrower segments
In all of these cases, the admin collects the required details from the customer, enters them into the system, and then routes the request through the normal approval workflow before releasing any funds.
Controls to check before booking a loan manually
Because manual booking bypasses the self-service application flow, it introduces higher risk when the right verification steps are not followed first. Before creating a manual loan request, the booking admin should confirm the following:
The customer’s identity has been verified using a valid government-issued ID
The customer’s phone number matches the one on their platform account
The loan amount and tenor fall within the approved limits for the selected loan product
The admin has collected supporting documentation such as proof of income or employment where required
A second person will review and approve the request before the system releases funds
The admin has confirmed the disbursement account details directly with the customer
Running through this checklist reduces the risk of fraud and data entry errors that are harder to catch when an admin enters loan data rather than when a customer applies through an automated flow.
How to book a loan manually on Lendsqr
Manual loan booking happens through a single unified wizard rather than separate pages and buttons. You can launch this wizard from several places in the admin console, so use whichever is closest to where you already are.
Where to start the wizard from
From anywhere: click the “Create” button in the top navigation bar (next to the search box), then choose “Book a loan” under Loan Management. This works from any page in the console, since the Create button is always visible in the top bar.
From the Home page: click the “Book a loan” shortcut button directly on the dashboard.
From the Loans page (Loan management > Loans in the left sidebar): click the “Book loan” button near the top right.
From the Customers page (Customer management > Customers): click “More customer actions” next to the New customer button, then select “Book new loan.”
Whichever entry point you use, the same wizard opens: a 6-step flow, Customer → Loan offer → Application form → Repayment method → Review → Complete.
Step 1: Customer
Choose “Find or add a customer.”
Search for the existing customer by email, phone, or BVN, or click “Add new customer” to create one inline without leaving the wizard.
The new-customer form (if you create one inline) is organized based on the manual customer creation form. Either one created by you or the Lendsqr country default. Below is an image of the Lendsqr default for Nigerian lenders.
Step 2: Loan offer
Select the loan product, then enter the amount, tenor, interest rate (set by the product, disabled here), disbursement method, and optionally the customer’s NIN, account manager, and branch. The wizard’s right-hand panel shows a live repayment schedule that updates as you change these values, and you can switch between a computed Schedule and a manually uploaded one via the Schedule/Upload tabs.
Step 3: Application form
Fill in the customer’s personal and employment information: purpose, marital status, number of dependents, type of residence, location, educational attainment, sector of employment, employment category, monthly net income, employment status, work start date, work email, and current employer. Fields already saved on the customer’s profile are pre-filled.
Step 4: Repayment method
Choose which of the customer’s existing direct debit mandates should collect repayments. Each option shows the bank, the mandate limit, and whether it currently covers the loan amount, if a mandate’s limit is too low or it has been cancelled, it appears disabled. If no mandate can cover the loan, you can proceed without one, though automated debits will not run until a valid repayment method is attached.
Step 5: Review
Review every detail you have entered, including the recipient, loan terms, and schedule, then submit.
Step 6: Complete
The Complete step confirms the loan request has been created. Proceed to the Loan requests page (Request management > Loan Requests) on the Lendsqr admin console to approve the request.
Data collected for loan booking
The table below covers every field you may encounter while working through the booking wizard, whether during customer creation, the loan offer, or the application form. Having all this information collected from the customer before you open the wizard will make the process faster and reduce the need to pause and follow up.
Field
Description
Phone number
The customer’s phone number as provided
Amount
The specific loan amount you’re booking for the customer. Must fall within the specified amount range for the loan product
Loan Tenor
The specific loan duration for the loan you are booking for this customer. Must fall within the specified tenor range for the loan product
Product
The offline loan product you created
Disbursement Method
Where the money should be sent to after approving the loan. Choose the bank option if the customer has no app and the money would be disbursed directly to their bank account.
Purpose
The reason the customer is requesting for the loan
Marital status
The customer’s marital status.
Number of dependents
The number of children the customer has.
Type of residence
The type of residence the customer lives in.
Educational attainment
The level of educational attainment the customer possesses.
Sector of employment
The sector of employment the customer works in.
Employment category
The current employment category which the customer’s work falls under
Monthly Net Income
The customer’s income
Employment Status
The current employment status of the customer. Options are: Unemployed, Employed, Self-employed, and Retired
Work start date
The date the customer started working with their current employer.
Work email address
The customer’s official email address, if they have one.
Current employer
The customer’s current place of employment
How disbursement works after manual booking
Once the approver authorizes the loan, the system disburses funds based on the disbursement method the admin selected during booking. If the admin chose Bank, the funds go directly to the bank account the customer provided. If the admin chose Wallet, the funds go into the customer’s in-app wallet instead.
Because manual loans often serve customers who do not actively use the app, the Bank option is generally the right choice for offline loan channels. In that case, the admin should confirm the account number and bank name with the customer before completing the booking. Disbursing to the wrong account creates a recovery problem that the system cannot resolve automatically, so confirming these details upfront is always the safer approach.
