# Apache Fineract vs Nortridge Loan Software

| Attribute | Apache Fineract | Nortridge Loan Software |
|---|---|---|
| **Vioscale score** | 48.3 (20% (low)) | 48.5 (76% (high)) |
| activity.commits_last_30d | 100 | - |
| adoption.dependent_repos | 0 | - |
| adoption.github_stars | 2,405 | - |
| deployment.options | `{"cloud":true,"on_prem":true}` | `{"cloud":true,"on_prem":true,"self_hosted":true}` |
| description.long | A cloud-ready, open-source core banking platform that provides comprehensive financial technology solutions including client management, loan and savings tracking, accounting integration, and reporting capabilities. | A configurable loan servicing platform that automates the full loan lifecycle including payment processing, collections management, escrow handling, and flexible integrations designed for lenders managing diverse loan types and sizes. |
| features.capabilities | `{"deployment_model":"cloud_web_app"}` | `{"pricing_model":"flat_monthly_subscription","deployment_model":"cloud_web_app","ach_and_credit_card_payment_processing":true,"investor_syndication_and_fractional_payouts":true,"escrow_and_tax_insurance_disbursement_tracking":true,"automated_collections_sms_and_dunning_waterfalls":true}` |
| integrations.count | - | 2 |
| integrations.list | - | `[{"name":"REPAY"},{"name":"PayNearMe"}]` |
| language.primary | Java | - |
| license.spdx | Apache-2.0 | - |
| market.availability | - | `{"primaryMarkets":[],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"open_source","sourceUrl":"https://fineract.apache.org/","retrievedAt":"2026-08-24T13:17:51.334Z"}` | `{"type":"subscription","plans":[{"free":false,"name":"Base Platform","summary":"$1,200/month (includes 3 full users) plus $1,750 one-time setup","features":["Loan servicing","Payment processing","Collections management","Reporting and dashboards","Workflow automation","Security and compliance","Borrower records management"],"minSeats":3,"commitment":"monthly","components":[{"kind":"fixed","amount":1200,"period":"month","currency":"USD"},{"kind":"one_time","amount":1750,"currency":"USD"}],"description":"Core loan management system with platform access, security updates, maintenance, database software, web services, and customer support","contactSales":false},{"free":false,"name":"Additional Full Users","summary":"$400/user/month for users 4 and above","features":["Full system access","Complete platform permissions"],"minSeats":1,"commitment":"monthly","components":[{"kind":"per_unit","unit":"user","amount":400,"period":"month","currency":"USD"}],"description":"Extra user access beyond the base plan with full system permissions","contactSales":false},{"free":false,"name":"Read-Only Users","summary":"$57/user/month","features":["View data","Generate reports"],"minSeats":1,"commitment":"monthly","components":[{"kind":"per_unit","unit":"user","amount":57,"period":"month","currency":"USD"}],"description":"Limited access for viewing data and generating reports without making system changes","contactSales":false},{"free":false,"name":"Enterprise License","summary":"Contact sales for custom licensing","features":["Custom licensing","Private cloud or dedicated data center deployment","Dedicated IT management options"],"contactSales":true}],"addOns":[{"name":"Participations Module","components":[{"kind":"fixed","amount":115,"period":"month","currency":"USD"}]},{"name":"SQL Data Table Access","components":[{"kind":"one_time","amount":220,"currency":"USD"},{"kind":"per_unit","unit":"user","amount":28,"period":"month","currency":"USD"}]}],"summary":"From $1,200/month for base platform (3 users) plus $1,750 one-time setup; additional users $400/month; read-only users $57/month","currency":"USD","freeTier":false,"sourceUrl":"https://nortridge.com/loan-software-pricing/","retrievedAt":"2026-08-24T09:49:09.223Z","startingPrice":{"amount":1200,"period":"month","currency":"USD"},"billingPeriods":["month"]}` |
| pricing.free_tier | - | no |
| pricing.model | open_source | commercial |
| pricing.price_level | free | high |
| pricing.starting_price | - | `{"amount":1200,"currency":"USD"}` |
| pricing.transparent | - | yes |
| release.cadence_days | 76 | - |
| release.history | `[{"url":"https://github.com/apache/fineract/releases/tag/1.15.0","date":"2026-07-14T15:42:09Z","type":"stable","version":"1.15.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.14.0","date":"2025-12-22T21:23:49Z","type":"stable","version":"1.14.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.13.0","date":"2025-10-20T16:04:25Z","type":"stable","version":"1.13.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.12.1","date":"2025-07-29T15:22:49Z","type":"stable","version":"1.12.1"},{"url":"https://github.com/apache/fineract/releases/tag/1.12.0","date":"2025-07-21T21:45:46Z","type":"stable","version":"1.12.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.11.0","date":"2025-03-06T18:37:03Z","type":"stable","version":"1.11.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.10.1","date":"2024-12-16T16:13:50Z","type":"stable","version":"1.10.1"},{"url":"https://github.com/apache/fineract/releases/tag/1.9.0","date":"2024-01-17T16:44:30Z","type":"stable","version":"1.9.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.7.3","date":"2023-03-24T08:32:44Z","type":"stable","version":"1.7.3"},{"url":"https://github.com/apache/fineract/releases/tag/1.8.4","date":"2023-03-24T08:33:25Z","type":"stable","version":"1.8.4"},{"url":"https://github.com/apache/fineract/releases/tag/1.8.3","date":"2023-01-26T23:37:16Z","type":"stable","version":"1.8.3"},{"url":"https://github.com/apache/fineract/releases/tag/1.8.2","date":"2022-11-29T18:19:28Z","type":"stable","version":"1.8.2"},{"url":"https://github.com/apache/fineract/releases/tag/1.7.2","date":"2022-11-29T18:18:54Z","type":"stable","version":"1.7.2"},{"url":"https://github.com/apache/fineract/releases/tag/1.8.1","date":"2022-11-29T18:18:21Z","type":"stable","version":"1.8.1"},{"url":"https://github.com/apache/fineract/releases/tag/1.7.1","date":"2022-11-29T18:17:51Z","type":"stable","version":"1.7.1"},{"url":"https://github.com/apache/fineract/releases/tag/1.8.0","date":"2022-11-18T09:13:56Z","type":"stable","version":"1.8.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.7.0","date":"2022-05-12T02:00:02Z","type":"stable","version":"1.7.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.6.0","date":"2022-02-24T08:53:15Z","type":"stable","version":"1.6.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.5.0","date":"2021-05-25T01:29:56Z","type":"stable","version":"1.5.0"},{"url":"https://github.com/apache/fineract/releases/tag/1.4.0","date":"2020-10-04T06:28:02Z","type":"stable","version":"1.4.0"}]` | - |
| reliability.status_page | - | yes |
| security.disclosure_policy | yes | - |
| security.scorecard | 6.6 | - |
| security.soc2 | - | yes |
| security.vulnerabilities | `{"count":0,"source":"https://advisories.ecosyste.ms/api/v1/advisories?ecosystem=go&package_name=github.com%2Fapache%2Ffineract&per_page=100","last_12m":0,"max_severity":null}` | - |

## Capabilities (Lending Software)

| Capability | Apache Fineract | Nortridge Loan Software |
|---|:--:|:--:|
| **Capabilities** |  |  |
| Deployment model | Cloud web app | Cloud web app |
| Complex amortization simple interest rule of 78 | - | - |
| Merchant cash advance mca daily sweeps | - | - |
| Auto loan gps kill switch integration | - | - |
| Ach and credit card payment processing | - | ✓ |
| Metro 2 credit bureau reporting | - | - |
| Automated collections SMS and dunning waterfalls | - | ✓ |
| Escrow and tax insurance disbursement tracking | - | ✓ |
| Investor syndication and fractional payouts | - | ✓ |
| Accounting quickbooks gl sync | - | - |
| SOC2 type ii | - | - |
| ISO 27001 | - | - |
| Pricing model | - | Flat monthly subscription |

*Source: Vioscale. Generated 2026-09-01T15:14:03.956Z. "-" = undocumented, not absent.*