L

loans

FuturePathway is an open source specification for deterministic education financing based on average starting salaries, transparent loan limits, AI-assisted career planning, and school discovery. It helps students identify education pathways that can be fully financed under predictable, career-based lending requirements. https://roxanneardary.com/futurepathway/

CapitalScope is an open source specification for structured venture financing that combines AI-assisted business evaluation, market demand analysis, emerging technology forecasting, predictive modeling, risk scoring, and cost analysis. It provides Venture Capitalists with a deterministic framework for evaluating and financing Enterprise Creators through transparent lending rules, fixed 4% interest, predictable repayment, and principal-linked interest elimination. https://roxanneardary.com/capitalscope/

FiniteTerm is a modular open source specification for deterministic financing across industries and products, designed to make financing transparent, predictable, and modelable. It provides a common framework for defining financing terms, affordability, payments, costs, asset lifecycles, insurance, portability, and settlement while allowing industry and product-specific modules to extend the system without changing the core. https://roxanneardary.com/finiteterm/

LoyalCredit is an open source, relationship-based credit specification that rewards reliable repayment with progressively greater access to capital. Through its Credit Trust Ladder, borrowers can move from secured lending toward unsecured credit by demonstrating consistent payment performance, while late payments reduce trust and default permanently ends the lending relationship with that business. https://roxanneardary.com/loyalcredit/

LoanRenew is an open source specification for deterministic refinancing with renewable capital, designed for a personally owned lending business. It combines transparent loan repayment, automated capital reinvestment, investor participation and dividend elections, mortgage and title services, public-record verification, tax reserve reconciliation, and comprehensive financial reporting into a modular architecture.

LoanSphere is an open source specification for connected lending systems, providing a modular framework for defining, managing, and integrating loan programs. It enables lenders and financial organizations to configure qualification criteria, interest rates, repayment structures, workflows, documentation, and lending operations while maintaining control over their own policies and requirements. https://roxanneardary.com/loansphere/

Solvra is an open-source financial modeling engine designed to simulate loans under a controlled, transparent amortization system. It applies a capped-interest rule based on a 15-year maximum effective interest window and redistributes total interest evenly across the full loan term, producing predictable, linear payment structures for scenario analysis, affordability testing, and structured financial planning. https://roxanneardary.com/solvra/

Dockerfile and compose for Robert2 / Loxya (https://robertmanager.org/)

Customer estimates loan repayment and completes loan application.