# Apache Fineract

- **Canonical URI:** https://www.vioscale.ai/software/apache-fineract
- **Category:** Lending Software
- **Homepage:** https://fineract.apache.org/
- **Also known as:** apache-fineract
- **Profile claimed by vendor:** no
- **Last updated:** 2026-08-26T19:30:47.779Z

## Vioscale score

**48.3 / 100**, confidence 20% (low). Computed 2026-09-01.

Composite of weighted, independently-sourced signals (no user reviews, no vendor payment).

| Signal | Score | Weight | Contribution | Evidence present |
|---|--:|--:|--:|:--:|
| capabilities | 0 | 0.07844444444444446 | 0 | - |
| repo_stars | 63.8 | 0.026 | 1.7 | ✓ |
| integrations | 0 | 0.07033333333333334 | 0 | - |
| dependent_projects | 0 | 0.063 | 0 | ✓ |
| dev_activity | 63.1 | 0.094 | 5.9 | ✓ |
| release_cadence | 57.8 | 0.052 | 3 | ✓ |
| security_posture | 5 | 0.073 | 0 | - |
| package_downloads | 0 | 0.136 | 0 | - |
| security_score | 66 | 0.042 | 2.8 | ✓ |
| community_qa_activity | 0 | 0.063 | 0 | - |

## Pricing

_As of 2026-08-24, [verify at source](https://fineract.apache.org/). Independently observed._

Open source

## About

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.

_Independently observed._

## Platform & deployment

- **Platforms:** Web
- **Deployment:** Cloud / SaaS, On-premise

## Capabilities

_The capabilities that matter for Lending Software. "-" = undocumented, not absent._

| Capability | Supported |
|---|:--:|
| **Capabilities** | |
| Deployment model | 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 | - |

## Release history

| Version | Date | Type |
|---|---|---|
| [1.15.0](https://github.com/apache/fineract/releases/tag/1.15.0) | 2026-07-14 | stable |
| [1.14.0](https://github.com/apache/fineract/releases/tag/1.14.0) | 2025-12-22 | stable |
| [1.13.0](https://github.com/apache/fineract/releases/tag/1.13.0) | 2025-10-20 | stable |
| [1.12.1](https://github.com/apache/fineract/releases/tag/1.12.1) | 2025-07-29 | stable |
| [1.12.0](https://github.com/apache/fineract/releases/tag/1.12.0) | 2025-07-21 | stable |
| [1.11.0](https://github.com/apache/fineract/releases/tag/1.11.0) | 2025-03-06 | stable |
| [1.10.1](https://github.com/apache/fineract/releases/tag/1.10.1) | 2024-12-16 | stable |
| [1.9.0](https://github.com/apache/fineract/releases/tag/1.9.0) | 2024-01-17 | stable |
| [1.7.3](https://github.com/apache/fineract/releases/tag/1.7.3) | 2023-03-24 | stable |
| [1.8.4](https://github.com/apache/fineract/releases/tag/1.8.4) | 2023-03-24 | stable |
| [1.8.3](https://github.com/apache/fineract/releases/tag/1.8.3) | 2023-01-26 | stable |
| [1.8.2](https://github.com/apache/fineract/releases/tag/1.8.2) | 2022-11-29 | stable |
| [1.7.2](https://github.com/apache/fineract/releases/tag/1.7.2) | 2022-11-29 | stable |
| [1.8.1](https://github.com/apache/fineract/releases/tag/1.8.1) | 2022-11-29 | stable |
| [1.7.1](https://github.com/apache/fineract/releases/tag/1.7.1) | 2022-11-29 | stable |

_… and 5 earlier release(s)._

## Security & compliance


Known vulnerabilities: 0 (0 in the last 12 months) ([source](https://advisories.ecosyste.ms/api/v1/advisories?ecosystem=go&package_name=github.com%2Fapache%2Ffineract&per_page=100)). A count reflects scale and disclosure, not quality.

## Facts

Every value below carries its source and our confidence. Facts are re-crawled on a freshness schedule.

### pricing

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| pricing.model | open_source | [link](https://fineract.apache.org/) | 2026-08-24 | 60% (medium) |
| pricing.price_level | free | [link](https://fineract.apache.org/) | 2026-08-24 | 60% (medium) |

### security

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| security.disclosure_policy | yes | [link](https://fineract.apache.org/) | 2026-08-24 | 60% (medium) |
| security.scorecard | 6.6 | [link](https://api.securityscorecards.dev/projects/github.com/apache/fineract) | 2026-08-26 | 90% (high) |
| 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}` | [link](https://advisories.ecosyste.ms/api/v1/advisories?ecosystem=go&package_name=github.com%2Fapache%2Ffineract&per_page=100) | 2026-08-26 | 90% (high) |

### activity

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| activity.commits_last_30d | 100 | [link](https://github.com/apache/fineract/pulse) | 2026-08-26 | 65% (medium) |

### adoption

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| adoption.github_stars | 2,405 | [link](https://github.com/apache/fineract) | 2026-08-26 | 90% (high) |
| adoption.dependent_repos | 0 | [link](https://packages.ecosyste.ms/api/v1/packages/lookup?repository_url=https%3A%2F%2Fgithub.com%2Fapache%2Ffineract) | 2026-08-26 | 85% (high) |

### language

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| language.primary | Java | [link](https://github.com/apache/fineract) | 2026-08-26 | 90% (high) |

### license

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| license.spdx | Apache-2.0 | [link](https://github.com/apache/fineract) | 2026-08-26 | 95% (high) |

### release

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| release.cadence_days | 76 | [link](https://github.com/apache/fineract/releases) | 2026-08-26 | 70% (medium) |

---
*Source: Vioscale (https://www.vioscale.ai/software/apache-fineract). Independent, evidence-based software intelligence. Cite the canonical URI.*