Increase Collections
Run overdue pipelines, log actions, and govern write-offs without spreadsheet chase.
Explore →
Enterprise Lending Operations Platform
CapGrowth OS
The Operating System for Modern Lending Companies
Enterprise Lending Operations Platform
Developed by Mobile Ace Technologies · A MACE Group Holdings Ltd Company
Verified platform signals
0
Product Screens
0
Self-Service Portals
0
Company Roles
Reference Enterprise — illustrative product screens · no production customer data
24
Authentic screens
Multi-company
Tenant isolation
RBAC
6 company roles
Audit trail
Activity history
2 portals
Client + investor
Excel / PDF
Operational reporting
Reference Enterprise — illustrative product screens · no production customer data
Business Outcomes
What lending operators improve
Outcome paths map to verified CapGrowth OS capabilities — then to a demo or guided tour.
Executive Visibility
Give leadership a live view of portfolio health, capital, and liquidity.
Explore →Governance
Keep high-risk changes accountable with RBAC, audit logs, and approvals.
Explore →Loan Operations
Originate, service, and rollover loans in one connected book.
Explore →Improve Recovery
Operationalize recovery workstreams alongside collections and write-offs.
Explore →Multi-Company Management
Operate multiple lending entities from one OS with clear company context.
Explore →
Platform
One OS Across Capital, Loans, and Stakeholders
Explore the full module map — or jump straight into a module that matches how you operate.
Executive Dashboard
CEO-level portfolio health, capital allocation, and performance KPIs.
Capital Management
CapGrowth OS gives operators a single view of business capital and investor capital — so liquidity, attributio…
View module →Lending Operations
From loan products and applications through disbursement details, monthly books, and rollovers, CapGrowth OS k…
View module →Payments & Collections
CapGrowth OS connects payment recording, borrower receipts, collections views, and write-off workflows so cash…
View module →Borrower Management
Staff keep 360° borrower context while clients apply, upload documents, track borrowing, review payments, and …
View module →Investor Management
Staff tools cover investor registry, deposits, capital assignment, earnings, and reports. Investors access das…
View module →Analytics & Forecasting
Operators use the Command Center and Executive Dashboard for day-to-day and CEO-level visibility, then drill i…
View module →Accounting & Reporting
CapGrowth OS includes an accounting layer for lending operations — chart of accounts, journals, ledgers, and c…
View module →Administration & Governance
Administrators manage companies, staff roles, settings, branding, audit visibility, governance approvals for s…
View module →
The Spreadsheet Problem
Fragmented Tools Create Operational Debt
CapGrowth OS replaces disconnected workbooks with a connected operating model — without inventing capabilities the product does not have.
Spreadsheet reality
Where operations break
- Loan balances, rollovers, and payments drift out of sync across workbooks
- Investor capital attribution lives in side sheets no one fully trusts
- Collections status sits in inboxes instead of a shared pipeline
- Month-end reporting means reconciling files instead of exporting from live data
- Borrowers and investors keep asking for status because they have nowhere to look
- Permissions and audit history are informal — or missing entirely
Operating system outcomes
What CapGrowth OS connects
- Capital, loans, payments, and collections share one operational data model
- Investor deposits, assignments, earnings, and statements stay attributable
- Overdue views and collection actions sit next to the payment ledger
- Excel and PDF exports pull from the same books your team works in daily
- Client and investor portals reduce repetitive status chasing
- RBAC, multi-company isolation, and audit logs support real team discipline
Core Modules
Everything Connected to the Loan Book
Each card links to a platform module page and, where useful, a product tour anchor.
Capital Management
Business capital, investor deposits, assignments, earnings, payouts, profit distribution, and cash flow forecasting.
Learn moreLending Operations
Loan products, portfolio, details, applications, disbursements, and monthly rollovers.
Learn morePayments & Collections
Payment engine, collections pipeline, write-offs, and client payment history.
Learn moreBorrower Experience
Borrower profiles, client portal, document vault, and notifications.
Learn moreInvestor Experience
Investor registry, earnings and reports, investor portal, and profit distribution.
Learn moreAnalytics & Forecasting
Command Center, executive dashboard, portfolio health, and cash flow forecasts.
Learn moreAccounting & Reporting
CoA, journals, GL, statements, Excel/PDF exports, and audit logs.
Learn moreAdministration
Multi-company, RBAC roles, settings, branding, governance, and REST API.
Learn more
Product Walkthrough
Curated Reference Enterprise Frames
A short preview — then explore capital, loans, payments, and portals below. Take the guided tour for the full path.
Portfolio Health Analytics
Concentration, performance, and operational risk indicators for the loan book.
View on tour →Borrower Profiles
360° borrower context — history, payments, and relationship status.
View on tour →
Capital & Investors
See Where Capital Comes From and Where It Goes
Business capital, investor deposits, assignments, earnings, and profit distribution — attributable and operational.
Business Capital
Business capital ledger, liquidity, and deployment across the book.
Profit Distribution
Allocate monthly profits between business and investor participants.
Loan Lifecycle
Originate, Service, and Rollover in One Book
Loan products, portfolio views, loan details, and monthly rollovers stay connected to capital and payments.
Payments & Collections
Record Cash, Run Collections, Close Write-Offs
Payment ledger, overdue pipelines, collection actions, and governed write-off workflows.
Collections Management
Overdue pipeline, payment status, and collection actions in one workspace.
Write-Off Workflow
Request, review, approve, and reverse write-offs with governed controls.
Accounting & Reporting
Operational Books Plus Exports Finance Can Use
Chart of accounts, journals, GL, trial balance, P&L, balance sheet, cash flow — with Excel and PDF export paths. Complements, and does not automatically replace, every external accounting system.
Accounting Layer
Chart of accounts, journals, GL, statements, and operational books.
Portals
Self-Service for Borrowers and Investors
Client portal for applications, documents, payments, and borrowing status. Investor portal for dashboard, loans, statements, and profile.
Client Portal
Borrower self-service for applications, payments, documents, and status.
Multi-Company & Permissions
Run Entities With Clear Boundaries
Company switching with tenant isolation, six RBAC roles, settings and branding, audit logs, and governance approvals for sensitive actions where enabled.
Multi-Company Management
Operate multiple lending entities with clear company context.
Company Users & Roles
Invite staff and assign role-based permissions across the company.
Who It's For
Purpose-Built for Capital Operators
Same operating system — different emphasis by lending model.
Private Lenders
Hard money, bridge, and private credit firms managing direct loan portfolios.
- Capital + loan book
- Investor attribution
- Collections discipline
Microfinance Operators
Community lenders serving high-volume servicing and collections needs.
- Applications & servicing
- Collections pipeline
- Client portal
Investment Groups
Syndicates and clubs pooling capital with clear participation and statements.
- Pooled capital
- Deal allocation
- Member portal
Capital Managers
Managers overseeing vehicles, investor lifecycle, and reporting discipline.
- Multi-company
- Investor lifecycle
- Analytics & exports
Why CapGrowth OS
Benefits Without Fake Testimonials
We do not invent customer quotes or logo walls. These are operational outcomes the platform is designed to deliver.
✓
Single source of truth
Capital, loans, payments, collections, portals, analytics, and accounting views in one system.
✓
Operator-grade discipline
RBAC, audit logs, multi-company isolation, and governance approvals where enabled.
✓
Proof you can inspect
24 authentic screens on the product tour — captured from the live application.
✓
Honest scope
MFA, SSO, encryption-at-rest product claims, and SOC 2 are not advertised as available today.
Implementation
From Discovery to Post-Launch
Structured onboarding: discovery, configuration, migration, training, UAT, go-live, and support — typically measured in weeks depending on data quality.
1
Discovery
Map products, capital model, and must-have workflows.
2
Configure & Migrate
Set up companies, roles, products, and reconcile core data.
3
Train & Go Live
Role training, UAT, cutover, and a post-launch support window.
Security
Verified Controls — Not Bank-Grade Hype
Password hashing, CSRF protection, secure production cookies, email verification, RBAC, tenant isolation, upload access control, audit logs, API keys, and governance approvals.
Audit logs and RBAC appear in the Administration strip above — see the Security and Trust Center pages for the full control narrative.
Pricing
Indicative Plans That Scale With Your Book
Indicative monthly pricing — confirm packaging on a demo. Published list packaging is flat monthly without per-loan transaction fees.
Starter
$299/mo
For emerging lenders building institutional operations.
- Up to 50 active loans
- Business & investor capital
- Loans, payments & collections
- Client portal
- Excel/PDF exports
- Email support
Most Popular
Professional
$699/mo
For established lenders with growing portfolios.
- Up to 250 active loans
- Accounting layer
- Investor portal
- Portfolio health & forecasts
- Company users & RBAC
- Priority support
Enterprise
Custom
For capital managers with complex structures.
- Unlimited loans
- Multi-company support
- REST API access
- Company branding
- Dedicated account manager
- SLA available on Enterprise
FAQ
Common Questions
More answers on the full FAQ page.
Is CapGrowth OS just a loan tracker?
No. CapGrowth OS is a full operating system for private lending and capital management — capital, servicing, collections, investor attribution, portals, analytics, accounting layers, audit logs, and administration.
Are the product screenshots real?
Yes. Screenshots are authentic CapGrowth OS product UI from the Reference Enterprise illustrative environment — never production customer data.
How long does implementation take?
Many deployments target a few weeks with structured onboarding — discovery, configuration, migration, training, and go-live — depending on data quality and scope.
Is MFA available today?
No. MFA is a planned enhancement and is not advertised as available now. See the Security page for verified controls.
What are the list prices?
Indicative pricing: Starter $299/month, Professional $699/month, Enterprise custom. Confirm current packaging on a demo call.
Purchase readiness
Why CapGrowth OS — and how to start
Answers buyers expect before a discovery call.
Why CapGrowth OS?
It unifies capital, loans, payments, portals, accounting views, and administration so lending companies stop reconciling fragmented tools.
Why Mobile Ace Technologies?
CapGrowth OS is developed by Mobile Ace Technologies, a MACE Group Holdings Ltd company — built for operators who need institutional discipline without enterprise bloat.
Why this platform?
CapGrowth OS is an Enterprise Lending Operations Platform — not a single-point loan tracker — covering capital through governance.
Why now?
Commercial readiness and purchase readiness are complete. Teams evaluating modernization can start from a real product surface, not vaporware slides.
How do we begin?
Take the guided product tour, review documentation, then request a demo or book a discovery call to scope implementation.