The fear that stops lenders switching is not the software. It is the 300-row spreadsheet with 300 histories in it. Here is the migration that gets the whole book across in a weekend.
Step 1 — Freeze and copy
Pick a cut-off date. Everything up to it lives in the sheet; everything after goes into the software. Save a dated copy and stop editing the original.
Step 2 — Clean the sheet
- One loan per row; one borrower record per person (merge duplicates by TRN or phone).
- Dates in one format; amounts without currency symbols.
- Columns you need at minimum: borrower name, TRN/ID, phone, principal, interest/fee, disbursement date, term, frequency, amount paid to date, current status.
Step 3 — Map to the importer
Ezy Loan Manager's Excel/CSV importer takes a template; match your columns to it. Anything you can't map (old notes, officer initials) goes into a notes column so nothing is lost.
Step 4 — Dry run
The importer runs in dry-run mode first: it validates every row and lists the problems — missing TRNs, dates in the future, negative balances — without creating a single record. Fix, rerun, repeat until the report is clean.
Step 5 — Import and reconcile
Import for real. Then check three numbers against the sheet: number of active loans, total outstanding, total collected this month. If they match, the book is across. If not, the report tells you which rows.
Step 6 — Go live without a gap
From the cut-off date, every payment is recorded in the software only. Give borrowers their portal logins in the first week; the ones who log in stop calling.
What it costs
Self-serve onboarding with the importer is J$45,000; if you want Ezy to run the migration and reconcile it with you, onboarding is J$85,000. The software itself is from J$9,500/mo self-hosted by active loans.
Comparing systems? See the full web-based loan management software overview — features, tiers, self-hosted vs hosted.
See it working: Live Ezy Loan Manager sites: KWHIT Secure Financial · McMurray Financial. Ezy Loan Manager →
Frequently asked
Will I lose payment history?
No — amount paid to date and status import with each loan; older notes go into a notes field.
How long does it take?
A clean sheet of a few hundred loans imports in an afternoon; the cleaning is the work.
Can borrowers see old loans in the portal?
Yes — imported loans show with their balances and schedules.