# Apache Fineract vs Peach Finance

| Attribute | Apache Fineract | Peach Finance |
|---|---|---|
| **Vioscale score** | 48.3 (20% (low)) | 57.3 (15% (low)) |
| activity.commits_last_30d | 100 | - |
| adoption.dependent_repos | 0 | - |
| adoption.github_stars | 2,405 | - |
| deployment.options | `{"cloud":true,"on_prem":true}` | `{"cloud":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 cloud-based backend platform that handles everything in the lending lifecycle after loan origination, including payment processing, compliance management, borrower communications, and accounting integration. Enables lending teams to focus on product development rather than rebuilding core servicing infrastructure. |
| features.capabilities | `{"deployment_model":"cloud_web_app"}` | `{"soc2_type_ii":true,"deployment_model":"cloud_web_app","ach_and_credit_card_payment_processing":true}` |
| language.primary | Java | - |
| license.spdx | Apache-2.0 | - |
| market.availability | - | `{"hqCountry":"US","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"}` | - |
| pricing.model | open_source | commercial |
| pricing.price_level | free | - |
| 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"}]` | - |
| security.disclosure_policy | yes | - |
| security.hipaa | - | yes |
| security.pci | - | 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 | Peach Finance |
|---|:--:|:--:|
| **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 | - | - |

*Source: Vioscale. Generated 2026-09-01T17:00:58.151Z. "-" = undocumented, not absent.*